Home Insurance

At Nexus, we are committed to helping you find the most suitable home insurance at the best value.

Home Insurance Explained

It’s something that everybody needs, but no one likes to think about it.  With so many different options and benefits available, it can be difficult to navigate the best and most suitable cover for yourself.

The good news is that Nexus works with you to remove the stress in finding the right insurance while getting you the best deal.

Our advisors and support team can assist you with all the application details and procedures. We source insurance plans that are tailored to meet your specific requirements.

Your property is perhaps your single biggest asset and therefore it is essential to protect it.  We could fit door locks, smoke detectors, and burglar alarms, but while they’ll help protect your home, they won’t benefit you if the worst happens.

A comprehensive home insurance policy can protect your property and your belongings.

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In Safe Hands with Nexus

As the leading insurance brokerage in the region, we are focused on satisfying you with the best advice & value offers.

Why You Need a Home and Home Contents Insurance?

It is a worthwhile exercise to list the value of every item in your home; most people have no idea how much they spent furnishing their home, buying appliances, decorating the rooms, filling the closets with beautiful clothing, shoes or accessories and you will be surprised by how much it would cost to replace everything you own at home if the worst were to happen.  Therefore, it is vital to protect yourself against the financial impact in the event of your home getting damaged or destroyed. 

Most banks or mortgage providers require building insurance as a part of your contract and should you not comply, your mortgage might be at risk.

Different Types of Home Insurance

Home Insurance can be divided into three main types:

Building Insurance

Building insurance covers the cost of repairs of the rebuilding of the main structure of your property. It normally includes the roof, walls, and windows; it can (depending on the policy) include fixtures like fitted kitchens, bathrooms, and tiled flooring.  In general, it should cover the cost of rebuilding from the ground up. Building insurance should cover damage or loss by way of:

  • Fire, smoke & water damage
  • Collisions by vehicles
  • Natural disasters such as storms and floods
It is important to remember that the insured amount may differ from the market value of your property, as it should include costs such as demolition, site clearance, internal finishes etc.  Nexus can offer the best advice to ensure you get the right amount of cover.
Contents Insurance

Home contents insurance covers removable items if they are damaged, destroyed or stolen. This generally includes:

  • Furniture such as sofas, beds, dining tables, chairs etc
  • Paintings, antiques and ornaments
  • Clothing, jewellery & other personal items
  • Electrical items like TV’s, computers etc
  • Kitchenware items like large & small appliances

In the event of a claim, depending on your policy, your provider may pay out an agreed value, or replace old for new, so check your policy document carefully or talk to one of our expert insurance advisors to find the best deal.

Building & Contents Insurance

This insurance cover combines both building and contents cover in one policy as per the descriptions.