Fresh Home Insurance

Fresh is a multi-award winning insurance broker offering tailor made policies. They specialise in non-standard home insurance such as flood risks, holiday homes, vacant properties, adverse claims, criminal convictions or unusual constructions. Fresh have their own unique schemes and work with insurers that have access to the Government backed “Flood Re” scheme, meaning they can provide flood cover for people who may have previously struggled to find an affordable policy.

Fresh home insurance


Building insurance from Fresh

Fresh home building insurance offers cover against insurable events such as theft, fire, storm damage, escape of water, vandalism and subsidence. You can make instalment payments to enable you to budget your expenses. Fresh building insurance may include some or all of the following benefits. What you get depends on the policy you decide to take out with Fresh.

  • Alternative accommodation
  • Loss of rent – If you rent out your home and your tenants have to move out because of damage to the property
  • Accidental Damage – Drilling through a pipe or spilling wine on the carpet, these things will be covered if you have accidental damage cover on your buildings and contents insurance
  • Damage to pipes
  • Damage to underground services – These are your water, gas and sewerage pipes and electricity cables
  • Blockage of sewer pipes
  • Trace and Access– The work involved in looking for the leak, repairing it and then making good afterwards
  • Loss or theft of keys - Cover for a locksmith to come to your home, replace the locks and supply you with new keys
  • Loss of metered water or oil

Terms and conditions will apply to the benefits you’re offered, so it’s important to check the policy wording before you purchase.


Fresh also provide home contents insurance which could include:

  • Food in the freezer cover
  • Accidental Damage spilling wine on the carpet, these things will be covered if you have accidental damage cover on your buildings and contents insurance
  • Cover for the theft of money from your home
  • Audio and Visual equipment cover (not including portable items) 
  • Visitor’s effects 
  • Personal belongings away from home – Includes items like cameras and jewellery, the kind of things you take with you when you’re on a trip away from home
  • Contents at college or university – If a member of your family is away from home studying in the UK
  • Garden Contents such as patio furniture, plants pots and statues

Extra cover for special events – Cover for the extra valuables or provisions you may have in your home due to a wedding, a christening or a religious festival.

Fresh also have the following optional extras: 

  • Home Emergency Cover – For something unexpected that needs immediate attention, such as the heating breaking down
  • Family Legal Protection – Help and advice for legal problems you, or a member of your family may have.

Fresh home insurance aim to help people who might otherwise find it difficult to obtain home insurance. If you want to see what they can offer you then get a Fresh home insurance quote today.

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