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Buildings Insurance

For most people, a house is the biggest single investment that they will make and it should be well protected. Buildings insurance can protect your home, outbuildings, garages, patios, drives, walls and even swimming pools and tennis courts.

Amongst other things, your buildings will be covered against damage by all the major perils including:

  • Fire, explosion, lighting, earthquake
  • Smoke
  • Malicious acts and theft
  • Storm and flood
  • Subsidence, heave and landslip
  • Falling trees
  • Impact
  • Escape of water
  • Accidental damage to underground services or pipes.


Cover can be extended to include accidental damage to the structure of the house, for example putting a foot through the ceiling while in the loft.

Contents Insurance

Provides wide-ranging cover for all your household contents – furniture, carpets, curtains, pictures, TV, computers, kitchen equipment and clothing, to name just a few.

Amongst other things, your home will be automatically insured against the following:

  • Fire, explosion, lightening, earthquake or smoke damage
  • Theft (including damage by thieves)
  • Storm or flood damage
  • Escape of water or oil from pipes or tanks
  • Malicious damage


For the majority of items, cover will be provided cover on a new for old basis, with no deduction for wear and tear. Accidental damage cover can be automatically provided for television sets, stereo equipment, computers and mirrors. This cover can be extended to cover accidental damage cover to other household contents.

You can also include personal possessions cover on an “All-risks” basis, both at home and away from the home, including whilst you are abroad.  Typically, such items include jewellery, hand bags, sports equipment, mobile phones and clothing. Personal cash may also be covered.


Home Emergency Cover

This valuable cover provides benefits and assistance for problems Plumbing & Drainage, blocked drains and leaking radiators. Heating cover provided in the event of sudden failure of the central heating system boiler, Loss of Utilities, Pest Infestation, Property Security, Sanitation, Roofing. Emergency access provided to over 2,000 tradespeople, and no excess to pay.


Landlords Legal Expenses

If you own properties to rent out, this provides a comprehensive range of cover and advice. Rent guarantee options are available to provide a total peace of mind landlord solution, ALPS Landlord Legal Expenses is further supported by a helpline which operates 24 hours per day, 365 days a year to provided guidance on a number of different tenancy related issues.


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