Benefits included as standard*
Our in-house buildings and contents policies include a great range of free benefits as standard.
We include full accidental damage cover for your Home or Building and Contents as standard.
You will automatically get a discount on your Contents because you are insuring your Buildings and Contents on the same policy.
Get up to a 25% discount on your policy with a No Claims discount of 3 years or more.
Help and assistance, 24 hours a day, through our free emergency helpline.
*applies to most policies, subject to terms and conditions.
Why choose Islands?
Our locally-based team is dedicated to providing specialist, personal service, to give you peace of mind with insurance cover for the things that matter.
An experienced market-leading team, delivering specialist advice and expertise for over 40 years.
Pop into our office, speak to us on the phone, send an email, or browse through our website.
We have bespoke Channel Island products designed and rated with this in mind that can be individually tailored for your needs.
We are proud to support the local community through several sponsorships and partnerships. Helping to protect our rich heritage and take care of our beautiful islands.
Friendly, experienced local claims team giving guidance and help when it matters most.
Available if you have more than one policy with us.
Levels of cover
Find out what’s included in each of our buildings and contents policies.
| Features in our Levels of Cover | Premier | Prestige |
| Basis of cover | Repair or Replacement for your Buildings and Contents, up to your full amounts insured including accidental damage cover as standard | Repair or Replacement for your Buildings and Contents, up to your full amounts insured including accidental damage cover as standard |
| Finding and fixing water leaks | Up to £10,000 to locate the leak and make good any damage | Cover to locate the leak and make good any damage with no monetary limit |
| Cover for your valuables. Including, Precious metals, Jewellery, Art and Collections | 1/3rd of your Contents value, with a single item limit of £5,000 | 2/3rd’s of your Contents value, with a single item limit of £10,000 |
| Rent and accommodation costs if your property cannot be lived in | 25% of your rebuilding cost or £75,000 whichever is greater | Reasonable costs for up to 3 years |
| Students' belongings while away from home in higher education | Up to £7,500 of Contents covered within the UK, with the option to include Accidental damage cover | Worldwide cover included automatically with no total value limit and single item limit of £10,000 |
| Protection against water damage | Repair or Replacement of your water damaged belongings up to your total value | Repair or Replacement of your water damaged belongings up to your total value |
| Money and Card cover for losses by accident or theft | £1,000 for Money or £10,000 for Bank cards | £5,000 for Money or £25,000 for Bank cards |
| Public Liability indemnity | £5 million as standard, or £10 million available on request | £5 million as standard, or £10 million available on request |
| Family Legal Expenses | Up to £50,000 | Up to £50,000 |
| Protection for your new purchases | £5,000 while carried home | Up to 25% of your Contents value for 60 days |
| Replacement of locks | Up to £1,000 if your keys are lost | Up to £2,500 if your keys are lost |
| Nest removal | Up to £2,000 each year to remove nests from your home | Up to £2,000 each year to remove nests from your home |
*applies to most policies, subject to terms and conditions.
Extras
Home building works
We can insure work being carried out on your property including materials on-site that have not yet been used
Treasured Collections
From Antiquies to Stamps to Wine we can include cover for all your special collections
Air BNB
We can include cover for you to let out your home on Air BNB
Holiday Home
If you have your main home insured with us we can look to insure your holiday home in the Channel Islands or UK
Peace of mind
Our in-house policies protect your buildings, contents and personal belongings against a wide variety of damages, theft and loss.
*applies to most policies, subject to terms and conditions.
You’re covered for:
- Fire, smoke, lightening and explosion damage
- Storm damage
- Water and flood damage
- Lock replacement if your keys are lost or stolen
- New for old replacements
- Accidental damage
- Personal belongings at home and away
Expert Insurance for Your Needs
Experience the tailored care and expertise of Hepburns. We’re more than brokers; we’re your personal insurance confidants for life’s complexities.
FAQs
Have a question about our insurance policies?
We may have the answer already. See answers to our most frequently asked questions below.
Can I add Buildings/Contents onto my existing policy?
We can add buildings or contents cover to your policy at any time please call us on 01534 835383 (JSY) or 01481 710731 (GSY) or 01481 824100 (ALD), 9am till 5pm Monday to Friday or contact us online.
How do I calculate what to insure my Building and Contents for?
If you do not have figures to insure:
Are my belongings covered outside the home or when I go on holiday?
If you live in your property and have Contents included, you will have a minimum of £5,000 of unspecified personal belongings cover with a single article limit of £2000 for most items. Your schedule will show the limits applying to your policy, or call us on 01534 835383 (JSY) or 01481 710731 (GSY) or 01481 824100 (ALD), 9am till 5pm Monday to Friday
Articles & guides
Keep your building, contents and occupants safe with our handy home guides.
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