Esure Home Insurance
Esure is a UK based online auto and homeowner’s insurance company. Their product lineup also includes pet insurance, travel insurance and a loan division. All of their sales are handled online. They have been in the homeowner’s insurance business since 2002. In Britain, it’s known as ‘buildings and contents’ insurance. Their home page offers discounts of varying rates on all of their insurance packages, from 10% on auto coverage to 35% on buildings and contents, to 10% on travel insurance and 5% on your pet insurance.
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Esure considers competitive pricing to be one of their strong points. They offer a cut rate if you buy both coverage for the building and coverage for its contents. In the United States, coverage for both the structure and its contents is standard in a homeowner’s insurance policy.
On the other hand, there are perks to an Esure buildings and contents policy that you won’t see in many American homeowners’ policies. Esure touts the fact that a standard component of its ‘contents’ coverage includes thorough coverage for your garden. Their coverage for home office equipment ranges up to ten thousand pounds. They also have a streamlined system for filing claims over the phone.
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There are deductibles for claims under these policies; they are known as a “policy excess,” which is deducted from the settlement amount. Coverage for personal possessions away from home is an additional premium. Family liability is also provided for an additional premium. Both of these provisions are standard fare in a homeowner’s policy issued in the United States.
“Home emergency cover” is also available for an additional premium. This is a variation on a home warranty as found in the United States. With this coverage, the company will respond to an emergency phone call by getting the appropriate craftsman on site and working on the problem, be it plumbing, heating or electrical. The policy covers the initial visit fee and up to two hours labor, with a five hundred pound cap.
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