The sum insured
Is it enough to do the job, and not so large that you are insuring a lifestyle you do not have?
Cover, explained
Home Insurance
Home insurance at BFDLife can protect the structure of a house, the contents inside it, or both. We ask how the home is built, how it is occupied, and what would be painful to replace: a kitchen, a piano, jewellery kept at home, or equipment you use for a small craft. Outbuildings, pools, and holiday use need their own answers because a standard buildings section does not assume them.
- Buildings, contents, or a combined schedule
- Escape of water, fire, storm, and theft discussed with real examples
- Specified items when a single-article limit is too low
- Liability toward visitors where the wording includes it
Before you buy
Special points we want you to notice
A contents sum that was guessed ten years ago is rarely right. We walk room by room. If you work from the kitchen table, tell us, because some wordings treat business stock differently from a household laptop. Unoccupied periods, renovations, and short-let use can change the price or the terms, and we would rather know before a loss than after one.
Nothing on this page starts a policy. Cover begins only on the date printed on a schedule, after you have accepted it and any first contribution has been paid. If a sentence here disagrees with that schedule, the schedule wins.
Good to know
What people check before they accept
The excess
Could you pay it next month without borrowing? A lower contribution is not a saving if the excess is fantasy.
The exclusions
Read them while nothing is wrong. Ask us to restate any sentence that still feels slippery.
The claims path
Know the mailbox, the photographs you would take, and who in the household can write to us.
Our promise is to make complex insurance language readable, to answer claim questions in writing, and to show the price of cover before you commit.
Every illustration separates the insurance contribution from taxes or fees that must be added. If a number on our pricing page is only an example, we say so.
You will know what we still need from you, why a decision is waiting, and where to write if you disagree. The claims desk is claims@bfdwinery.com.
Advisors are asked to list what they recommended and what they deliberately left out. That note belongs to you.