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Household Insurance

Adrian Flux is one of the leading specialist home insurance brokers in the UK. We deal with over 30 insurers to find you high quality, great value buildings and contents insurance cover for any circumstances - from a standard semi to a listed building, from homeowners to landlords and much, much more.

At Adrian Flux, we do things differently.

Whether you need buildings insurance, contents insurance or a comprehensive building and contents policy, we can find the right level of cover for you. And if your needs are a little out of the ordinary, we can usually offer a great rate where other companies would struggle to even quote.

Specialist Household Insurance for:

Bed & Breakfast Insurance
If you run a Bed and Breakfast Business, you'll know how essential it is to have the correct insurance cover in place. Our specialist team will help ensure you have peace of mind without paying over the odds with our tailored B&B cover.
Buy-to-Let Insurance
Savvy buy to let investors know that finding cheaper landlords insurance is a great way to increase your yield without much effort, as the savings can be impressive. Flux have a range of policies specially suited to private landlords, covering everything from a simple terraced house to a whole block of flats.
Flat Roof Insurance
If you have a flat roof you could be paying too much for your home insurance, many companies are worried by flat roofs, particularly on period properties, and as a result prices are often astronomical. As a specialist insurance broker, we have built up a lot of knowledge in this area, and our understanding means we can offer very competitive prices.
Flood Risk Insurance and cover for previously flooded properties
Insuring properties in flood risk areas has become a hot topic in recent years, as devastating floods around the country have brought the issue to prominence. Many mainstream insurers lump whole postcode areas into the same risk category, with the result that everyone ends up paying over the odds. Because we don't rely on computer rates, we can assess your property individually, and offer a fair premium. If your property has been flooded in the past, we can still offer a competitive rate appropriate to your situation.
High Net Worth Insurance - Flux Private Clients
Our high-net worth department offers tailored cover for higher value properties using specialist providers such as Chubb, Hiscox and other specialists in covering high value portfolios, with cover for artworks, antiques, jewellery and other items offered as part of a bespoke policy. Our Private Clients team can help you manage your entire portfolio of insurance products through one point of contact.
Holiday Home & Second Home Insurance
Many people now have a second home, or maintain a holiday home for occasional use. Many insurance companies don't like covering these properties, as they fear that the property will be at risk whilst unoccupied. In reality this is not entirely true, and as a result, our second home insurance quotes are extremely competitive. We are also able to offer cover for properties in probate.
Home Business Insurance
Running a home business is stressful enough without having to worry about insurance cover. Many people running a home business do not realise that specialist insurance cover is required, as standard home insurance policies are not designed with business needs in mind.
Home Insurance
Flux household policies are available to cater for every need, however weird and wonderful. Of course, some people do have 'normal' homes and need cover to suit, and our access to over 20 home insurance providers means we can usually offer a competitive rate.
Landlords Insurance
Landlords can ofter struggle to obtain a reasonable insurance quote, particularly if their property is let to students, DSS claimants or asylum seekers. Our team won't be fazed by anything like this, and will help you ensure that your property and its contents are adequately protected.
Listed Building Insurance
Insuring a listed building can be a prospect fraught with danger for the unwary. Some companies will not offer cover for listed properties, others will raise premiums and some may baulk at the expense of replacing period features in the event of a claim. It's also important that you don't underestimate valuations. Because we are specialists, we know all of the potential pitfalls and can help you avoid them.
Park Home Insurance
Park homes are not like traditional houses, and our insurance cover takes this into account offering policies tailored to the quirks of park living.
Subsidence Risk Insurance
If your property is in an area deemed to be at risk of subsidence, you may find it all but impossible to get insurance. We can assess your property on a more individual basis, and we can even offer cover for previously underpinned properties which have suffered subsidence damage in the past. All this at a competitive rate.
Tenants Insurance
If you are renting a property, insuring your contents can be one of those things you never get around to, especially as it may take some effort to find a suitable policy. This can be a costly mistake if the worst happens, and there's really no cause to delay, as our tenant's contents policies are easy to buy and light on the wallet.
Thatch Roof Insurance
If your property has a thatched roof, insurance can be expensive, even if you are lucky enough to find a specialist company. We have many years experience in this market and a range of specialist thatch insurance schemes which mean that your home can be properly protected for a reasonable and affordable price.
Underpinned Property Insurance
If your home has been previously underpinned, finding insurance can be nigh on impossible. But our specialist knowledge means that we can assess the action taken to prevent further subsidence and offer a competitive premium appropriate to your particular circumstances.
Unoccupied Home Insurance
Other companies shy away from unoccupied homes, as they worry about the security risks resulting from an empty house. Our specialist team can help whether the property is a second home, holiday property or any other circumstance. We can cover homes subject to probate or awaiting sale, and our rates are lower than you might expect.
Wood Built Home Insurance
In our more environmentally aware times, wooden-framed homes are making a big comeback, and mainstream insurance providers have been caught on the hop. Whether you have a modern or period timber-framed property, or if your home uses any one of hundreds of non-standard construction methods, we can help you insure your home properly without breaking the bank.

Why is Household Insurance from Adrian Flux Different?

Because we're used to dealing with unusual situations, our household insurance policies are designed especially for your particular needs. Our staff are not restricted to computer rates and are able to use their extensive underwriting experience and training to provide high quality, high value cover at a lower price than you might expect.

Our Household department have earned the trust and respect of the dozens of underwriters who make up our panel, and many of our home insurance schemes are exclusive to Adrian Flux. And customers with an existing car policy can benefit from extra discounts on their household insurance policies too. Our exclusive house insurance rates are not available on comparison sites, and our best rates are always available over the phone from our underwriting team. Call us free on 08000 83 88 33, or click the button below and we will call you: