Home Insurance
Home Insurance
Your home is your pride and joy, it’s not just bricks and mortar.  Whether it’s your principal residence, holiday home (UK or Overseas), you need to protect your investment.  Should the worst happen you want peace of mind that your insurance policy will respond quickly and effectively.

Merritt Insurance arranges cover for:

Main Homes – We understand the individuality of your home. Our specialist panel of insurers provide tailor-made policies to match the particular nature of bespoke properties.

Listed Buildings – The unique features of Listed buildings may result in them being difficult to insure. We have access to selected insurers who appreciate and are eager to insure such homes.

Overseas and Second Homes – Rather than accepting a local overseas and foreign policy with potentially restrictive and unclear wordings, we can provide from leading UK based insurers a clear and comprehensive policy.

Renovations
– For a residence undergoing renovations or building works insurance coverage may be invalid if home insurers have not been informed of the works before they commence. Renovation or Contract Works insurance policies must be acquired prior to works commencing to cover the existing structure and contract works preventing a potential financially destabilizing outcome.

Let / Rented Properties – Our specialist Let / Landlord Home Insurance Policies provide insurance coverage for the Buildings, Landlords Contents, Loss of Rent, Legal and Liability insurance protection.

Unoccupied Properties
– We have access to specialist insurers who can provide coverage for the specific insurance needs of Unoccupied Properties.

Appraisal Service
– Paid for by insurers to help you establish correct sums insured together with security guidance so that should the worst happen you are adequately insured. Insurers may then also offer enhanced or unlimited rebuilding coverage for peace of mind.

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