Home Buildings Insurance
From family houses to period homes and modern builds, we arrange home insurance that protects you financially from loss or damage to your structure and gives you peace of mind.
More About Household Buildings Insurance
Your house is more than just where you live—it’s one of your biggest investments. At Chubb Thomas, we arrange home buildings insurance that gives you confidence your property is properly covered.
We don’t believe in one-size-fits-all. Whether you live in a modern townhouse, a listed building or something more unusual, our team will help you arrange household insurance/ contents insurance that reflects your home’s true value and specific risks.
What We Cover
Our cover insures the structure of your property—walls, roof, fixtures, outbuildings and more—against fire, flood, storm damage, subsidence and other common risks. These policies also come with alternative accommodation, owners public liability and legal protection.
We can also arrange house insurance for second/ holiday homes (UK and abroad), thatched cottages, renovation projects and non-standard construction.
With our team of independent brokers based in Bournemouth, we offer real advice—not call centre scripts. You’ll deal with someone who knows your name, your property and how to get the right cover in place. Just honest advice, from a local broker you can trust.
Types of Buildings Insurance and House Insurance
We arrange tailored cover for all kinds of homes and circumstances—here are just some of the types of home insurance we can help with, in addition to standard household insurance:
- Airbnb host insurance
- Converted property insurance
- Flat insurance
- Flat roof home insurance
- Flood risk home insurance
- Holiday home insurance
- Home buyers insurance
- Home renovation insurance
- Listed property insurance
- Lodgers and tenants insurance
- Non-standard construction insurance
- Second home insurance
- Static caravan, park home and beach hut insurance
- Subsidence home insurance
- Thatched property insurance
Why Choose Chubb Thomas?
- Truly independent insurance broker based in Bournemouth, with no corporate ties
- Insurance quotes tailored to your needs, across Dorset and surrounding areas
- Speak directly to your dedicated contact—no call centres, no waiting
- Work with your key person from start to finish
- Insurance quotes tailored to your needs, across Dorset and surrounding areas
- Fair fees and transparent advice every step of the way
- Independent and unbiased—we’re not tied to any insurer, so you always come first
- A reputation for excellence, delivering insurance services locally since the early 1980s.
FAQs
What does home buildings insurance cover?
It covers the structure of your home, including walls, roof, fixtures and outbuildings, against damage caused by risks like fire, flood, storm or subsidence. These policies also come with alternative accommodation, owners public liability and legal protection.
Is house insurance required if I own my home outright?
It’s not a legal requirement but strongly recommended. Without it, you’d be responsible for the full cost of repairs or rebuilding your property.
Can you arrange insurance for listed buildings or non-standard homes?
Yes, we regularly arrange residential property insurance for listed properties, thatched cottages and homes with unusual materials or layouts.
Do I need to include accidental damage cover?
Accidental damage cover is optional on many policies. We’ll explain what it includes and whether it makes sense for your particular property and lifestyle.
Will my policy include outbuildings like garages or sheds?
Most home buildings insurance policies include permanent outbuildings, but it’s important to specify exactly what’s on your property to ensure it’s covered correctly.
Can you cover second homes and holiday homes?
Yes. We can arrange house insurance for second properties, holiday homes and homes that are not occupied year-round.
What’s the right level of cover for my home?
Your property should be insured for its full rebuild cost, not the market value. For a relatively small cost, we can arrange a rebuild valuation to be carried out on your behalf.
How are claims handled?
You can deal directly with your named contact at Chubb Thomas, who will manage your claim from start to finish, ensuring a smooth process.
Why choose Chubb Thomas for my household contents insurance?
We’re independent and offer clear, personal advice. No call centres—just a named contact who’ll help find the right cover and support you if you need to claim. We’re a truly independent Dorset broker offering real advice, not scripts.
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Other Insurance Options
Commercial Insurance
Business Insurance and Combined Business Cover
Construction Insurance
Tradesman and Professionals Insurance
Shops, Offices and Surgeries Insurance
Leisure and Hospitality Insurance
Professional Indemnity Insurance
Motor Fleet Insurance
Motor Trade Insurance
Cyber Insurance
Directors and Officers Insurance
Engineering and Plant Insurance
Commercial Motor and Van Insurance
Marine / Cargo Insurance
High Net Worth Insurance
Trusted Dorset Insurance Broker
We’re a truly independent Dorset broker offering real advice, not scripts. offering tailored insurance quotes across Bournemouth, Poole, Weymouth, Dorchester and beyond. Whether you need personal, property or business cover, we deliver clear advice and a personal service every step of the way.
Contact Us
Let’s make your insurance work harder for your business. Drop us a message, give us a ring, or pop into our Bournemouth office—we’re always happy to chat.
Phone: 01202 778 000
Email: email@chubbthomas.co.uk