Your home insurance broker
A broker compares the panel for you, gets the cover right so a claim actually pays, and re-shops it at every renewal. Here is what a home insurance broker does, what it costs, and how it compares to going direct.
What does a home insurance broker do?
A broker arranges your insurance for you and acts for you, not for a single insurer. Instead of filling in the same details on a dozen websites, you tell us about your home once. We do the rest.
Broker, going direct, or a comparison site?
All three can get you a policy. They differ in how much of the work, and the judgement, sits with you.
Going direct
You deal with one insurer and one set of prices, and you carry all the comparison and the claim yourself.
Comparison site
You see prices from the insurers that choose to list, then buy from the insurer. The advice and the claim are still on you.
Broker
We compare a panel, advise on the cover and not just the price, arrange the policy, and stay with you at renewal and at claim time.
Why use a broker for home insurance?
The panel, compared for you
The same home is quoted very differently between insurers. We re-shop the panel so you do not have to.
Cover that actually pays
We set the sum insured properly and check the policy wording, so a claim is not undercut by a gap you never saw.
Time saved
Tell us about the home once. We handle the quoting, the paperwork and the renewal.
A broker at claim time
We help you lodge and follow through the claim, instead of leaving you to argue it alone.
On fees
We are a licensed broker and we charge a broker fee, disclosed before you buy. We think the cover we arrange, the price we find across the panel, and the help at claim time are worth it. You can decide with the fee in front of you.
How it works with us
- 1
Start with your address
We pre-fill what we can about the property, so there is less for you to type.
- 2
Tell us about the home
Construction, the cover you want, and the contents and any valuables to include.
- 3
We compare the panel
See competitive prices across a panel of insurers, with a broker on hand to talk it through.
- 4
Covered, and re-shopped each year
Choose the policy that fits. We review it at every renewal and help with any claim.
Home insurance broker FAQs
What does a home insurance broker do?
A broker arranges your cover for you. We compare policies across a panel of insurers, explain the differences that matter, set the sum insured correctly, and place the policy that fits. If you ever claim, we help you through it. We act for you, not for a single insurer.
What is the difference between a broker, going direct and a comparison site?
Going direct means dealing with one insurer and one set of prices. A comparison site lists prices from the insurers that pay to appear, then sends you back to the insurer to buy. A broker compares a panel, advises on the cover rather than just the price, arranges the policy, and stays with you at renewal and at claim time.
Is it cheaper to use a broker for home insurance?
Often, because the same home is quoted very differently between insurers and a broker re-shops the panel for you. The bigger value is getting the cover right, so a claim actually pays. We charge a broker fee, disclosed up front, and weigh that against the cover and price we can arrange.
Does Cover Club charge a broker fee?
Yes. We are a licensed broker and we charge a fee, shown to you before you buy. In return you get the panel compared for you, advice on the cover, a sum insured set properly, and a broker who handles the claim.
Can a broker help with home and contents insurance?
Yes. Home and contents is the most common cover we arrange. We make sure the building is insured for its full rebuild cost and the contents for their real replacement value, then compare that exact cover across the panel.
Will a broker help if I need to make a claim?
Yes, and it is one of the main reasons to use one. We help you lodge the claim, explain what your policy covers, and follow it through with the insurer so you are not doing it alone at a stressful time.
How do I get started with a broker?
Start with your address and a few details about the home. We compare your cover across the panel, and a broker is on hand whenever you want to talk it through.
Let a broker do the legwork
Compare your cover across our panel, re-shopped at every renewal.
Start your quote →