Your home is your sanctuary, your safe space, which is why it is important to make sure your house and the contents are protected. You have worked hard for the contents in your home and may have sentimental items that you care for deeply. Since your home is so important, you need to ensure that your home and your contents are protected, which is where household insurance comes into play.

This blog post by Bruford and Vallance will shed some light on what household insurance is and what is included in our household insurance.

What Is Household Insurance?

Household insurance covers you against theft, fire loss or damage. Many insurance policies cover your items if you take them out of your home, including taking them on holiday with you. Household insurance policies are beneficial if your contents are stolen, lost or damaged, as otherwise, you will have to pay the full amount to replace them.

What Your Policy Should Include

Your household insurance policy should cover damage caused by natural disasters, such as flooding, fire and storms, along with the occurrence of theft. Many insurance policies, including ours, offer the new for old basis, which means you get a full replacement cost of the unfortunately stolen items, damaged or lost.

What Does Our Household Insurance Include?

Our household Insurance policies at Bruford and Vallance includes replacing contents on a new for old basis and can cover accidental damage and lock replacements. Our household insurance also includes the contents sum insured increased relative to the retail price index.

Our Top Household Insurance Tips

  • Make sure you understand what the insurance policy is offering.
  • Be aware of any clauses that indicate you will have to pay extra to cover certain possessions, for example, items that you take out of your house.
  • If you have a landlord, make sure you understand who is responsible for the contents.


We are a family-owned business which was established in 1978. Over the years, we have amassed a reliable, passionate and knowledgeable team. We have changed with the times, developed our skills and expanded our knowledge, but one thing hasn’t changed. We put our customers at the heart of our business, which is why we are always on hand if you need our assistance. You can contact us today, and we will be happy to help.