I Have A Poor Credit History. Can I Still Get Home Insurance?

Unfortunately, some people may experience difficulties in finding a Home Insurance product to meet their needs should they have a bad credit history, a County Court Judgement (CCJ) or have previously been declared bankrupt.

Whilst many Home Insurance providers you find on comparison websites may not necessarily cover this, InsuraHome Home Insurance can help.

InsuraHome’s Home Insurance policies are backed by a personal service and can each be tailored and adjusted to meet the needs of our individual customers, rather than providing an ‘off the shelf’ type of policy for all as other companies or comparison sites may do.

As part of their range of Non-Standard Home Insurance products, their specific Home Insurance product for people with specialist Personal Circumstances aims to assist individuals where other providers have said ‘no’ in the past.

All of the specialist InsuraHome Home Insurance policies can be adjusted to meet your needs, with ability to provide cover for both buildings and contents, with the option to include Legal Expenses cover too!

Personal Circumstances Home Insurance policies are available for:

• People who have been declined, rejected or cancelled by insurers elsewhere due to personal circumstances, such as having been previously declared bankrupt, bad credit or having previously made multiple claims.
• Residential properties with irregular occupancy.
• Occupied residential homes.
• Properties situated in England, Wales, Scotland, Northern Ireland, The Isle of Man and The Channel Islands.

Please Note: We do not provide cover for thatched roofs at this time.

Personal Circumstances Home Insurance – Key Benefits:

• A judgement free and discreet service.
• Cover for Buildings & Contents.
• Cover for “Clean” and “Non-Standard” Home Insurance Risks.
• Cover can be provided for listed buildings.
• Ability to cover a wide range of perils within the inside and exterior of your home.

Personal Circumstances Home Insurance – What’s Covered?

• Fire, lightning, explosion or earthquake
• Aircraft and other flying devices or items dropped from them
• Storm, flood or weight of snow
• Escape of oil from a fixed domestic oil-fired heating installation or smoke damage caused by a fault in any fixed domestic heating installation
• Subsidence or heave of the site on which the buildings stand or landslip
• Accidental Damage to Fixtures and Fittings
• Accidental Damage to Services
• Professional Fees & Expenses
• Theft or attempted theft
• Falling trees, telegraph poles and lamp-posts
• Sale of Property
• Replacement Locks
• Unauthorised use of Electricity, Gas or Water
• Escape of water from frost or frost damage to fixed water tanks, apparatus and pipes.
• And more!

Get covered with InsuraHome Home Insurance

At InsuraHome Home Insurance, we understand how important it is to guard your home from the unexpected. To get an InsuraHome Home Insurance quote, call us on 01483 806 815 or visit our website at www.insurahome.co.uk to download and complete an online home Insurance quote proposal form and application form and simply send it to us – we’ll do the rest to get you a Home Insurance quote!

This article is for information and entertainment purposes only. It does not constitute advice in any way. The information provided here is correct at the time of writing however please check the latest policy wording here for the latest policy terms, conditions and exclusions.