HOME INSURANCE

Let us take care of your home insurance, so you don't need to.

Our home insurance specialists at Pangea Insurance Brokers are on hand to help find the best cover for your home and possessions, giving you the peace of mind that you deserve.

We understand home insurance.

Rely on us as your policy comparison tool, ensuring you never face tedious insurance websites again.

When you consult with our personal insurance specialists at Pangea Insurance Brokers, you can rest easy knowing that you have the proper coverage in place for unexpected events.

We prioritise getting to know you and understanding your unique needs, as this is essential for identifying the best policy and preventing unnecessary expenses.

Additionally, we will continue to support you with your policy every year, ensuring a hassle-free renewal process for you.

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"Home is where

the heart is."

BECAUSE NOT EVERY POLICY IS THE SAME...

At Pangea Insurance Brokers, our expert team specialises in finding tailored insurance solutions for every type of homeowner - especially when your circumstances don’t fit the “standard” mould.

Whether you’re an Executor, work from home, own an annexe, or have a property of non-standard construction, securing the right home insurance can quickly become complex and time-consuming.

That’s where we come in. We’ll guide you through the process and arrange the right level of protection for your property, saving you the hassle of comparison sites, confusing questions, and one-size-fits-all policies.

non-standard house construction, thatched roof

Non-Standard Construction

Insurers are quite strict with their definition of what constitutes a ‘standard’ home.

Perhaps your home has a flat roof, a timber frame, is made from wattle and daub, or has signs or subsidence – all these home types, and more, are highly unlikely to fall within a standard home insurance policy.

If you'd like us to review your current policy to make sure everything is in order, or if you'd like us to do some comparing for you, simply get in touch or visit us in Chandler's Ford, Hampshire.

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Unoccupied Property

Unoccupied home insurance – also known as vacant house insurance or empty property insurance – is a specialist type of cover designed to protect your home when it is left empty for longer than a standard home insurance policy allows.

Most standard UK home insurance policies only provide full cover while a property is occupied. Once a home is left unoccupied for more than 30 consecutive days, insurers often restrict or exclude cover altogether.

If you own a property that is unoccupied due to it: awaiting sale, going through probate, between tenants or undergoing renovation, speak to our team on 02380 017 017 or visit us in Fryern Arcade, Chandler's Ford, and we can ensure you are covered correctly.

Probate Home Insurance

When a property enters probate, it is often left unoccupied for an extended period while legal and administrative matters are resolved. If a home is left empty for more than 30 consecutive days, most standard UK home insurance policies will either restrict cover or become invalid altogether, making them unsuitable during lengthy probate proceedings.

Our team of specialists are here to help reduce any added stress and complications for you by easily and efficiently finding you the appropriate protection for your home.

We understand that any uninsured loss could result in significant financial consequences for the estate and may also place responsibility on the executor or administrator to cover these costs. Contact us today to talk through your home insurance needs.

Annexe in garden at night with lights on

Annexe Owner Insurance

If you own an annexe, there are generally two main ways to insure it:

- Include the annexe under your main home insurance policy

- Arrange a separate insurance policy specifically for the annexe

The most suitable option will depend on how the annexe is used, who lives there, and how it has been built. For example, an annexe occupied by a family member may be insured differently from one that is rented out or used as holiday accommodation, and certain construction types may also require specialist cover.

At Pangea, our experienced team will work with a range of UK insurers to ensure your cover is correctly arranged, giving you peace of mind without the hassle of navigating complex policy options yourself.

Flood Risk Property

Many standard UK home insurance policies include a level of flood insurance, but the extent of cover can vary significantly depending on the flood risk in your area. Properties located near rivers, coastal areas, or in recognised flood zones may face restrictions, higher excesses, or exclusions under a typical home insurance policy.

For high flood risk homes, insurers may limit the amount of flood cover available or require a specialist flood insurance policy to ensure adequate protection. In some cases, cover may only be offered through specific schemes or specialist insurers, making it more challenging to arrange the right level of protection without expert advice.

Let us do the hard work and help find you the best policy at the most competitive cost, saving you time and hassle.

Working from Home Insurance

Your home is more than a home - it’s your workplace.

Whether it’s an office, workshop, or studio, working from home gives you flexibility and control over your day.

But without the right protection, everything you’ve built could be at risk.

Make sure your home - and your work - is fully covered by contacting Pangea Insurance Brokers today.

FREQUENTLY ASKED QUESTIONS

What does home insurance cover?
Home insurance typically covers your building, contents, or both against risks such as fire, theft, storm damage, and accidental damage (depending on the policy). Cover varies between insurers, which is why comparing options is important.
Do I need buildings insurance, contents insurance, or both?
Buildings insurance covers the structure of your home, while contents insurance covers your personal belongings inside it. If you own your home, buildings insurance is usually essential. Contents insurance is recommended for homeowners and tenants alike.
Is home insurance compulsory?
Home insurance isn’t legally required, but most mortgage lenders insist on buildings insurance as a condition of the loan. Even without a mortgage, insurance offers vital financial protection.
How much should I insure my home for?
Your buildings sum insured should reflect the full cost to rebuild your property, not its market value. Contents cover should reflect the cost of replacing your belongings as new.

Our team at Chandler's Ford can help you calculate appropriate cover levels.
What factors affect the cost of home insurance?
Premiums can be influenced by your property type, location, security features, claims history, cover level, and excess amount. Comparing policies helps ensure you’re not paying more than necessary, which our team will happily do for you to save you time and hassle.
Are accidental damage and personal possessions included?
These are often optional extras rather than standard cover. Accidental damage protects against unexpected mishaps, while personal possessions cover items taken outside the home. We can advise whether these options suit your needs.
Why use an insurance broker for home insurance?
As a local, independent insurance broker, customer service is our top priority.

Our team will compare policies from multiple insurers, explain cover in plain language, and help you find the most suitable protection for your home - saving you time and providing ongoing support.

Contact our personal insurance specialists at Pangea Insurance Brokers on 02380 017 017 or info@pangeainsurance.co.uk and we will assist with your query as soon as possible.

Customers

We are 100% client focused, and believe in long-term relationships with our customers. We will be there to assist, every year, to take away those insurance worries.