Home Insurance Direct

Home Insurance Direct is a trading name of Thomas Underwriting Agency Ltd, a wholly owned subsidiary of Arch Capital Group Limited. Established in 1989, we are an insurance intermediary permitted to arrange general insurance policies including cover for home buildings and contents. We do not offer credit broking/monthly payment facilities, but unlike many brokers, we don't charge customers administration fees in addition to the policy premiums. We do not provide advice or make a personal recommendation on suitability of products. In supplying and renewing policies via this website, you must decide if the product meets your demands and needs. If you need to get in touch, please contact us.

Our Services

At Home Insurance Direct, we offer a range of services to ensure you have comprehensive cover for your home and belongings. Our buildings cover includes automatic sum insured of 500,000, which can be increased if needed, covering damage by various causes such as fire, storm, flood, vandalism, subsidence, and accidental damage to underground pipes and cables. Additionally, we provide cover for alternative accommodation up to 100,000 and legal expenses. Our contents cover includes automatic sum insured of 75,000, which can also be increased, covering damage by causes like fire, storm, flood, vandalism, theft, and accidental damage to TVs, DVD, audio, and home computer equipment. We also offer cover for personal possessions away from home, family legal expenses, and other specific covers.

Why Choose Us

We are authorized and regulated by the Financial Conduct Authority, ensuring our services are reliable and trustworthy. Our policies are subject to terms and conditions, which you can find in the policy documents. With us, you can tailor your cover to meet your individual requirements, and we offer competitive pricing without additional administration fees. Whether you're a homeowner or a landlord, we have options available to suit your needs.