Welcome to Oakland Insurance - Bringing You Competitive Quotes





	Welcome to the Household Insurance quotation page. Your home is probably your biggest investment and as a result it is important that both the building and its contents are fully insured. Oakland can insure your buildings and content together in one policy or separately if required. We offer a choice of New for Old (often called standard cover) or Accidental Damage cover for both buildings and contents. Accidental damage cover provides additional cover to the standard new for old cover normally provided. On Buildings insurance this would cover accidents such as paint spilt down a wall, or a foot put through a ceiling. On Contents Insurance accidental damage would cover damage caused by spilling a cup of coffee on the carpet or knocking over an china ornament or plate. Each policy will give a detailed breakdown of cover and any queries should be refered to our customer services staff. To obtain a quotation please press the "Get a Quote" Button and complete the questions as fully and as accurately as you can. This household page is currently been redeveloped and our online quotation package will be launched shortly, in the mean time please answer the questions on the quotation page and we will respond with a choice of quotations within one working day.

Buildings insurance covers the structure of your home in the event of damage e.g. storm, flood, fire. Buildings cover often covers domestic outbuildings (eg sheds and greenhouses) however individual policies should be examined in detail.

Contents cover protects your possessions whilst in the home like furniture and clothes. If you own or possess something which is particularly valuable, for instance jewellery you should specify it separately - as a specified item.

You can cover your possessions while away from home under the all risks section of a policy. This is particulary useful for items such as cameras, musical instruments and bicycles etc. The individual policy should always be examined carefully.

It should be noted that excesses apply to both buildings and contents policies. An excess is an amount for which you are responsible in the event of a claim. Some policies have compulsory excesses, however many also have voluntary excess which reduce the price of the policy. The greater the amount of voluntary excess the greater the discount provided.