Building & Contents Insurance

Does your home matter enough to you to find the right insurance?

Your home is your castle

When you were looking for your home, was it all about the price? Did you opt for the cheapest house or flat you could find? For most, there’s so much more to finding the right home than price.

Given that your home insurance is designed to cover something so important, you should ask yourself whether going for the base level option is going to be for the best for you in the long run.

  • Accidental damage available
  • Worldwide/all risk cover on contents available
  • Fine art & antiques cover available
  • Alternative accommodation Included
  • Outbuildings & stables extension included
  • Emergency repairs cover included
  • Damage by domestic pets available
  • Replacement locks & keys available
  • Identity fraud available
  • Family legal protection available

We take the same care and consideration in protecting your home at Shearwater as you do in choosing it, both the buildings and the contents within. When we have found out more about what makes your home yours, is a policy that gives as much protection as it can from what is available, at a price that’s going to be affordable for you.

There are a range of policies out there to choose from, and at Shearwater we have got the keen eye to find the one that is going to work for you.


Protection for different shapes and sizes

Your household insurance policy can cover the building, your personal possessions, or both and can work for you whether you are a homeowner, private tenant. We can also quote for thatched roof property, second home or a holiday home.



Protection - inside and out

Insurable possessions are essentially everything that would fall out of your home if it were possible to turn it upside down. Certain items such as expensive art and collectables i.e. coins can be specifically accounted for by designating them as higher value contents.

The entirety of your home, bricks and mortar, roof tiles and paving slabs are typically covered with a buildings only policy, which accounts for the rebuild value of your home, not the market value.

  • When the wheels fell off my lorry the Shearwater team were incredible. They called to check up on me, they arranged recovery and when the lorry was deemed a write off I was even given the option of keeping the scrap or not.
    Sarah Skillin, British Dressage Member
  • Shearwater not only provided a much more comprehensive policy but at an incredibly competitive price. Everything was very simple.
    Imogen Murray, International Event Rider (5* & Team GBR Nations Cup)
  • We've insured with Shearwater for a number of years and have always been very impressed with the customer service, claims handling, and competitive pricing. I've now moved all of our business and personal polices to Shearwater
    Simon Bates, Owner & Event Director of The College Equestrian, Keysoe
  • I have found Shearwater to be responsive and flexible in providing me and my company with individually tailored insurance packages to cover exactly what I need, at very competitive prices.
    Simon Hall, Managing Director of Soteria Ltd
  • We have worked with shearwater for many many years now! We use them for everything from our horses to our cars, our yard liability to the home insurance... They are a great company to deal with, both in terms of competitive rates and their customer services. I would highly recommend anyone looking at insurance to get in touch with them
    Becky Moody, Grand Prix Dressage Rider, Team GBR Podium Pathway Member
  • I have insured a few horses with shearwater over the years and have always been very impressed. The team on the phones are super helpful and they have always been great at paying out any claims. I wouldn’t hesitate to recommend their service to any of our Members
    Catherine Mills, Head of Global Retention & Equestrian at Quintessentially
  • What can we say about Shearwater? As an insurer if you want the best cover then you need to be with Shearwater. Their service is second to none and their staff are always friendly, knowledgeable and there to help you, nothing is too much trouble.
    Leanne Hart & Daniel Bates, Para Dressage Rider
  • It is a comfort to know that the horses are Insured with Shearwater. They are a professional but friendly company, competitive and knowledgeable. On the claim we had they were fast and efficient and nothing was too much trouble. Would happily recommend Shearwater Insurance, especially as they have such a vast range of options from everything equine to travel and household.
    Michael Murphy - Irish International Para Dressage Rider
  • Shearwater is our absolute go-to for all of our insurance needs from house, yard and horse, to cars and liabilities. The team in the office are easy to talk to and they actually take the time to get to know you as a client. Most importantly, when you need to claim for something, they are quick and listen to your needs, making the whole process much less stressful in your hour of need. We wouldn't use anyone else!
    Chantal Siddle

Get in touch today

Use the contact form to request a quote today.  Otherwise call the Shearwater team on 01992 718666 for a no obligation chat about your insurance needs.