Intelligent Insurance home insurance

Intelligent Insurance specialise in providing cover for those whose needs are a bit outside the norm.

Have a property that’s slightly unusual? Or circumstances that aren’t quite middle of the road? Then Intelligent Insurance might be able to help.

With their focus firmly set on providing a comprehensive, customer-first service, they’re a provider to consider.

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Why choose Intelligent Insurance home insurance?

Specialist cover for non-standard properties
Benefits like home emergency cover and family legal protection usually included as standard
Easy-access policy documents through Intelligent Insurance’s online portal

About Intelligent Insurance

Intelligent Insurance was founded in 2014 by CEO Philip Davies, with the aim of helping homeowners with ‘unusual’ properties or personal circumstances find high-quality home insurance.

Since then, they’ve helped customers find cover for everything from listed buildings, timber-framed properties, uninhabited homes, barn conversions, probate homes, and much more.

And it’s not just non-standard properties they’ve specialised in: homeowners with convictions, a history of bankruptcy, or who have been refused cover in the past have all found cover through Intelligent Insurance.

Their policies are underwritten by a panel of trusted UK insurers, making them a solid option for anyone struggling to find cover through traditional insurers.

Intelligent Insurance policy details

Intelligent insurance offer separate buildings and contents insurance, or a combination of the two.

Here's what's covered by each:

Buildings insurance

Up to £1 million to repair or rebuild your home's main structure
Cover for permanent fixtures and outbuildings
£50,000 alternative accommodation cover if your home becomes uninhabitable
Trace and Access cover (up to £5,000) for locating and fixing the source of water leaks

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Contents insurance

Up to £100,000 for your household belongings
New for old" replacement for damaged or stolen items
Protection against common perils like theft, fire, storm, flood, and malicious damage
Cover for food in freezers, replacement locks and keys, and occupiers and personal liability

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What home insurance add-ons do Intelligent Insurance offer?

If you want to shore up your insurance and make sure it covers everything you need it to, Intelligent Insurance offers paid-for extras like:

Personal possessions cover: Protects your valuable items (like phones or jewellery) when you take them outside your home, in case they're lost, stolen, or damaged.

High-value items insurance: Standard policies come with a single item limit of £2000. If you have items worth more than this, you’ll need high-value items insurance to cover them.

Bicycle insurance: Insures your bike against theft and damage when it’s away from home. You’ll normally be able to insure bikes worth up to £5000.

Home Emergency Plus: An upgrade to the standard Home Emergency cover that offers higher claim limits and broader protection for things like boiler breakdowns and home security issues.

Family Legal Protection Plus: An enhanced version of standard legal cover, increasing the claim limit available to you and expanding the range of legal disputes covered.