Standard Home Insurance

Your home and your belongings are probably the most important assets you have. Here at OBF we have a team of brokers who are experienced at putting together solutions for your home insurance needs. We believe we can make your home policy easy to understand whilst guiding you through the sometimes complicated clauses, terms and conditions. We pride ourselves on our exceptional service and advice so get in touch today to see how we can help you with your policy.

Key Features

  • Personal advice and service.
  • Dedicated team.
  • No broker fee for mid term

Key benefits

  • Alternative accommodation should your home become uninhabitable as a result of an insured loss.
  • No claims discount.
  • Increased contents cover for weddings and Christmas.
  • Variety of payment options .

Download Proposal

Simply complete our quote request form and a member of our team will be in touch to discuss your options.

Get a Quote


The level of cover required on your home will be determined by your own individual circumstances. It is important to calculate the rebuilding cost of your property. For help doing this visit Some standard home insurance benefits include:

  • Liability protection.
  • Loss of oil.
  • Door locks replacement.
  • Glass and sanitary ware.
  • Contents in the garden.
  • Clean up expenses.
  • Visitor’s personal belongings.
  • Personal money.

All risks cover can be included where there are specific high value items that may be taken away from the home such as jewellery, laptops, sports equipment and other personal effects. Talk to one of our experts today about finding the right cover for you.

  • Top Tip #1

    Make sure your home is fitted with at least two working smoke detectors - smoke alarms save lives!

  • Top Tip #2

    Always leave a set of keys with a neighbour when you are away.


  • Q: What is a policy excess?
    A: All Insurance policies have an excess, which is the amount of money you will be responsible to bear in the event of a claim.
  • Q: What do I do if my home is left unoccupied for more than 30 consecutive days?
    A: If this is the case, please contact us as soon as possible as your cover and terms might change.
  • Q: Can I get cover for my home that I rent out?
    A: Yes, simply call us or complete the 'Request a Quote' form and we will be in touch with you.