Churchill Home Insurance Review

It doesn’t seem to matter where you live in the UK these days; there are all sorts of issues that arise that a few years ago were unheard of. Most notably, flooding! We have endured some of the wettest summers and harshest winters since records began and, this had an impact on how insurance companies look at making sure your bricks and mortar are protected.

This is where Churchill home insurance comes in. They have recognised the new dangers that face homeowners and have addressed it (more on that in a minute). They also know that it’s not just a tree through the roof or, a garage completely destroyed that can cause distress! This company pays just as much attention to the inside of your home and what’s precious to you.

Churchill also know that every home insurance policy is different (just like people) and whilst you will find information here that tells you the basics, don’t be afraid to give them a call if you have a slightly unusual request.

Buildings Insurance

The best thing about the policies with Churchill is they won’t leave you homeless! If you have to leave your property while repairs take place, Churchill will kindly put you up somewhere so you have a roof over your head. Oh, and if you have cats and dogs, they’ll make sure they’re well looked after as well.

Their buildings insurance will cover your main building, garage and shed from all things “Godly”. If you suffer damage through a storm, flood (from the inside or out) or a fire you can be rest assured you’re covered. You can even take out policies that protect you from vandalism and subsidence.

What’s covered as Standard?

Below are some basic details about what’s covered and for how much:

  • Buildings Cover up to £500,000
  • Property Owner’s Liability up to £2,000,000
  • Accommodation for you (and your pets) up to £25,000
  • Emergency entries up to £1,000

You will also be covered for accidental damage (if this is taken out as an optional extra). For example, if you have someone in your home who is keen on DIY and is say, working in the attic only for you to witness a foot appear in the ceiling above you, Churchill won’t punish you for this. The same can be said for those of you that have to put up with someone who loves to use their tools around the home. If, for instance a nail is hammered into the wall and it bursts a water or gas pipe, you can also make a claim (after you’ve given your other half a good telling off, again)! You will even be covered for accidents that can occur in the garden.

Contents Insurance

This is just as important as protecting the structural part of your home. There are many possessions that are held dear to you and, if these are damaged you need to know they’re well protected. Again, the options with Churchill go above and beyond what many other companies offer.

It’s not just about carpets, furniture and household appliances. Churchill knows that other valuables such as money, jewellery, keys, works of art or any other collection you may have should be well protected.

In Addition you can also benefit from the following:

  • Items kept in your garden.
  • The contents of your freezer if someone (who is still to admit it) accidentally turns off the power or, you lose power long enough for everything to de-frost.
  • Theft from your garage or other out-buildings.
  • Contents of your home that have been temporarily moved somewhere else. This is a particularly useful option if your teen has just moved into student digs and you get a phone call telling you the laptop has been destroyed!
  • Churchill will even cover the loss of items that are in transit from your home.

You should be aware that some of the benefits mentioned are part of the optional extras that Churchill offers however; this is what makes them such a special insurance company. Perhaps you don’t have children who are going to take items out of the home? In which case, you won’t need this option as part of your policy.

The fact is it doesn’t matter what your needs are in terms of home insurance. Churchill has all sorts of options available to you. You can take out family legal protection, home emergency cover and you can even protect that precious bicycle you’ve spent hundreds of pounds on whether a problem happens when it’s at home or not.

Churchill is not just a company with a nodding dog that says “oh yes” it’s a true insurance company that strives to say “oh yes” to all its customers no matter what their needs are.



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