The biggest advice we can give with our 25 years of dealing with Home Insurance is to make sure you are covered for your needs.
With the variety of households in Pembrokeshire and Carmarthenshire, from listed buildings to townhouses, bungalows, smallholdings, etc. You should be cautious about what cover you need as different terms are required for different properties.
We have a team of specialists in Home Insurance, saving you time, money and getting the right cover with exclusive deals that don’t appear anywhere else in the region.
Let’s have a look at the basics for Home Insurance:-
What is Home Insurance?
In simple terms, Home insurance protects the house that you live in where you can also add cover for your belongings in your property, usually against theft or damage from fire and flood being the most common. These can be split into three options, Building Insurance, Contents insurance, and Combined Building & Contents insurance.
Building Insurance will protect and cover you for costs of structural damage to your house, roof damage as well as fixtures to your bathroom and kitchen. Some cover can also protect any outdoor buildings you may have such as garages, sheds, walls, etc.
Contents Insurance provides cover for possessions that may have been damaged from fire, flood, or stolen in your property. It is not compulsory however considering most households and the value of their possessions in the property we would usually recommend taking this cover.
Combined Building and Contents Insurance
Combined Building and Contents insurance covers everything in your home, from the physical structure, fittings to all your possessions inside it. There can be benefits from having a combined policy with potential discounts having both with the same insurer.
Benefits using Cleddau Insurance
- Local Independent Insurance broker, owner-managed with a strong knowledge of Pembrokeshire and Carmarthenshire areas.
- 2 Offices (St Clears & Neyland) if you prefer to visit
- Personal service from our specialist Home Insurance team
- Exclusive Insurance schemes from the UK’s leading insurers
- Over 25 years in the Insurance industry
Due to our association with the Cambria Insurance Alliance, this allows access to fantastic schemes from providers across the UK, resulting in us giving you, the customer, the best cover and price possible.