IIB Insurance

Household

Insurance

Tailored to your needs

Personalised Home Insurance, Tailored to You

At Independent Insurance Bureau Ltd, we understand that no two homes—or homeowners—are the same. That’s why we offer

bespoke household insurance solutions designed to match your unique needs. Whether you’re looking for buildings insurance,

contents insurance, or a comprehensive combined policy, we’ll help you find the right level of protection at the right price.

Expert Advice with a Personal Touch

As an independent insurance broker, we take the time to get to know you and your property. We don’t believe in one-size-fits-all cover—your circumstances are unique, and your insurance should be too. From your very first conversation with us, you'll deal with real people who genuinely care about helping you protect what matters most.

Cover for All Types of Homes—Even the Unusual Ones

Whether your property is listed, non-standard construction, or located in a flood-prone area, we have the experience and insurer relationships to secure cover where many others fall short. Thanks to our wide panel of trusted insurance providers, we can often source competitive quotes for even the most complex or unusual situations.

Why Choose Us?

Tailored advice from experienced brokers
Access to leading UK insurers and specialist underwriters
Competitive rates—even for hard-to-cover homes
Friendly, personal service—we treat every customer as an individual, not a policy number

Let us take the hassle out of arranging your home insurance. We’ll compare a wide range of policies on your behalf, explain your options clearly, and make sure you’re fully covered—giving you complete peace of mind.

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Frequently Asked Questions

What is Property Insurance?

Property owners insurance, also known as homeowners insurance, offers financial protection against property damage, loss of belongings, and liability for accidents occurring on the property.

Can I Get Cover For Loss of Rent?

Yes, if your property becomes uninhabitable due to an insured event—such as fire, storm, flood, or water damage—you may be able to claim for lost rental income. This ensures you’re not financially impacted if your tenant is unable to live in the property. To arrange appropriate cover, let us know your annual rental income and an estimate of how long it would take to rebuild your property in the event of severe damage.

Is Contents Insurance Necessary If My Property Is Unfurnised?

Yes, even in an unfurnished property, Contents Insurance can cover essential items you provide, such as carpets, curtains, and appliances. This protection ensures you won’t have to cover the cost of repairs or replacements if they are damaged or lost due to an insured event.

Why Should I Consider Legal Expenses Insurance?

Legal Expenses Insurance helps cover the costs of legal representation and court fees for disputes such as tenant conflicts, contract disagreements, and property-related legal issues. It provides valuable support, ensuring you’re protected without facing high legal expenses.