Insurances

LANDLORDS' INSURANCE red Rubber Stamp over a white background.

General Branch Insurance:

Many people believe that insurance, a method of equitably transferring and distributing risk, started in the late 1600’s by Lloyd’s (of London), as a means of funding and securing the risk of trading vessels as they set out on their journeys to the New World. Interesting don’t you think??

Of course, Lloyd’s then, was nothing more than a coffee shop founded by Edward Lloyd, where city gentlemen would meet to discuss and provide funding for future voyages in return for a guaranteed share of the profits. How things have changed, don’t you think??

As for today, facts state that the majority of the population, your home is likely to be the most expensive asset that you will ever purchase throughout your lifetime!!

Financially speaking, since the ‘credit crunch’ of 2008/2009, money has become increasingly hard to earn, yet very easy to spend or even overspend. So why would you run the risk of not protecting your most prized asset correctly??

The insurance industry claim that the majority of people under insure and the industry issues many harsh facts about such things as the following:-

  1. Every year 1 in 8 homes suffers either a burst pipe or water leak.
  2. 1 in 3 people do not know where their stopcock is located.
  3. Bursts and water leaks now cost more money than fire and burglary claims to insurance companies.

Insurance gives us the financial security against fortuitous, calamitous and sometimes even tragic events with insurers providing policies for these risks. Others including the more ‘light hearted’ or even ‘bizarre’ celebrity policies which arguably started in the 1940’s when Hollywood film star Betty Grable insured her legs for $1million each, a practice which oddly continues to this day.

In the modern world it would be rare to find someone who has not purchased some form of insurance, whether it be for their car, home, life or businesses. Examples of cover can be arranged for the following:-

  • Commercial Premises,
  • Landlord Insurances (Including Rent Guarantee)
  • Residential Property,
  • Protection against financial losses (by fraud),
  • Additional General Branch Insurance (i.e. public liability, all risks, income protection and private medical insurance, etc. to name just a few).

So how best can this situation be approached??

Within the ‘Housing Guardian family’ we have a close working relationship with industry leading Financial Conduct Authority (FCA) authorised General Insurance Brokers whom work with clients on a ‘day to day’ basis providing them quotations at competitive prices and sizable discounts available on their annual premiums (subject to conditions).

For further advise, however conventional or weird and wacky, call our offices on 0121 448 0717 to discuss what products best suits your needs and of course, arrange your ‘free, no obligation quotation’, so book your appointment consultation NOW!!