Subsidence and insurance in a drying climate
Subsidence rises as clay soils dry and shift in a warming climate. Understand the risk, what cover pays and how to spot the signs.
Flood Re: how the flood scheme works
Flood Re keeps flood cover affordable for high-risk homes through a levy on every policy. Understand how the scheme works and who it helps.
Climate risk and your insurance premiums
Floods, storms and heat are pushing up the cost of cover. Understand climate risk and your insurance premiums, and what you can do.
Buildings vs contents insurance
Buildings insurance covers the structure, contents covers what is inside. Understand both, why you may need them together, and where gaps leave people exposed.
Escape-of-water claims explained
Escape-of-water claims are the costliest home insurance claim. Learn what is covered, the common causes, and how to avoid a dispute with your insurer.
Why home insurance premiums are moving
Home premiums are moving with claims inflation, rebuild costs and climate risk. See what is pushing prices and what to check before you renew.
Underinsurance and the average clause
Underinsurance and the average clause can cut your payout by the same proportion you are underinsured. Learn how the clause works and how to set the right sum.
Flood and storm cover in home insurance
Standard home policies cover storm damage but flood is separate, through Flood Re. Understand what is included and the excesses that shape a claim.