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What is House Insurance?

House Insurance is designed to cover the physical structure of your property and the belongings inside. From accidental damage to fire, flood, or theft, this cover provides financial peace of mind so you can relax, knowing your home is protected.

Whether you live in a city flat, countryside cottage, or a modern new-build, we’ll help tailor the right cover to suit your lifestyle and your property.
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House Insurance
Row of terrace houses

Property Types We Can Cover

We understand no two homes are the same. We offer cover for a wide range of property types including:

Detached & Semi-Detached Homes
Bungalows
Flats & Apartments
Terraced Houses
Listed Buildings
Holiday Homes & Second Properties
Thatched Roof Properties
Unoccupied Homes (short- or long-term)
Non-standard Construction (timber frame, steel, fibreglass, etc.)

What Does House Insurance Typically Cover?

We offer flexible, customisable policies depending on your needs. You can opt for:

Buildings Insurance

Covers the structure of your home, including walls, roof, floors, and permanent fixtures (e.g., fitted kitchens and bathrooms).

Contents Insurance

Covers your personal belongings, from furniture and tech to clothing and valuables—even when you take them out and about.

Combined Buildings & Contents

One simple policy to cover both the property and your possessions.

Accidental Damage Cover

Optional cover for mishaps like spilt paint on carpets or broken windows.

Legal Expenses

Covers legal costs for disputes such as property boundaries or faulty goods.

Home Emergency Cover

Provides rapid assistance for urgent issues like boiler breakdowns, plumbing leaks, or electrical failures.

Alternative Accommodation

Helps pay for temporary housing if your home becomes uninhabitable due to an insured event.

In Just Four Steps

How Do House Insurance Claims Work?

Our goal is to get your home and life back to normal as smoothly as possible.

Step 1

Get In Touch 

Let us know as soon as an incident occurs.

Step 1
Step 2

Provide Evidence

Submit any required documentation such as photos, receipts, or reports.

Step 2
Step 3

Assessment

Our team will assess your claim quickly and fairly.

Step 3
Step 3

Payout Or Repairs

Once approved, your claim will be resolved efficiently with minimum stress.

Step 3

How Much Does House Insurance Cost?

The cost of your premium depends on:

Property value and rebuild cost
Location and risk factors (e.g., flood or crime rates)
Type and level of cover you choose
Your claims history and security measures in place

We provide bespoke quotes with no hidden extras—just the right protection at a competitive price.

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deal signed for home insurance
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Let’s Talk Insurance On Your Terms

We know insurance can feel complicated  and the last thing you want is to be stuck on hold or passed around a call centre. At Crowthorne Insurance Services, we do things differently.

  Guaranteed callback within 30 mins

  Honest advice from our experts

  Insurance that is tailored to you

Simply fill in the form today and a member of our team will be in touch.

Testimonials

What Our Clients Say

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When I first looked for house insurance, I was overwhelmed by options. My home’s construction isn’t typical, and other insurers didn’t know how to cover it properly.But Crowthorne understood the details, explained everything clearly, and gave me a policy that actually made sense.The process was straightforward, no jargon—and when I needed to make a claim after a water leak, they sorted it fast.I’d recommend them to anyone who wants insurance that’s built around their home—not a one-size-fits-all approach.

My property wasn’t standard, but Crowthorne made it simple.

“Crowthorne Insurance were very useful for when I needed 28 day chassis insurance on my unregistered classic Japanese import car in order to drive it to and from an MOT for its registration. Quick replies and no fuss. The price was high considering it was only for 28 days but I guess not unusual for that kind of specialist insurance. Would use again in the future!”
Beth L
“Contact with the Cowthorne team is a pleasurable experience - they are always helpful, efficient and will search the market for the best policy.”
Peter Foister
“Went there for my Car insurance. Got a great deal better than on line and other shops. Boss was a very nice chap and the man that served me Neil ,was very helpful.and sorted me out a great deal. Yes i can recommend this company. Hope i can say the same next year when i get the renew price. If they play there cards right they may get my house and other car and holiday insurance. Thanks Crowthorne insurance.”
Ray Thorpe
“I used Crowthorne Insurance recently as a new driver, and they really helped me out. They are always friendly and polite, never kept me waiting long over the phone or e-mail, and were always happy to answer any questions I had.I had a particularly good experience talking to Jack, who went above and beyond to get me a policy which wasn't prohibitively expensive at a time when the insurance market is particularly harsh to new drivers. It would not be an exaggeration to say that thanks to his efforts, I've saved thousands of pounds.I highly recommend this company and look forward to working with them again when it's time to renew. Thanks guys!”
James Lill
“I've been using Crowthorne insurance Ltd for quite a few years now. Never had any issues or problems. The staff are very friendly and professional. I highly recommend giving them a try.”
Richard Reynolds
“Very helpful and straightforward company to deal with . Thank you .”
Moira Scott
“I have been using Crowthorne insurance for years. I would highly recommend them. the staff are friendly and very helpful. on the occasions I have had issues or need changes they have been most helpful and speedy to resolve the problems. They now handle my whole family's insurance needs all 4 generations.Great job guy thank you”
Ian Howlett
“I have continued to use Crowthorne Insurance Services for many years now. The staff are always very accommodating to my ever changing vehicles and personnel.I would thoroughly recommend Paul and his team .”
Mark Bullen
“Outstanding service provided from Crowthorne Insurance from start to finish, highly professional service will definitely be using them for years to come!!”
Samuel Coombes
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Insurance That Won’t Break Your Bank.

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