Household Insurance

For most people, a house is the biggest single investment that they will make and it should be well protected. Buildings insurance can protect your home, outbuildings, garages, patios, drives, walls and even swimming pools and tennis courts.

Amongst other things, your buildings will be covered against damage by all the major perils including:

  • Fire, explosion, lighting, earthquake
  • Smoke
  • Malicious acts and theft
  • Storm and flood
  • Subsidence, heave and landslip
  • Falling trees
  • Impact
  • Escape of water
  • Accidental damage to underground services or pipes.


Cover can be extended to include accidental damage to the structure of the house, for example putting a foot through the ceiling while in the loft. If you insure both the Building and the Contents with the same insurer, you may qualify for a discount.

Contents Insurance

Provides wide -ranging cover for all your household contents – furniture, carpets, curtains, pictures, TV, Hi-Fi, computers, kitchen equipment and clothing, to name just a few.
Amongst other things, your home will be automatically insured against the following:

  • Fire, explosion, lightening, earthquake or smoke damage
  • Theft (including damage by thieves)
  • Storm or flood damage
  • Escape of water or oil from pipes or tanks
  • Malicious damage


For the majority of items, we provide cover on a new for old basis, with no deduction for wear and tear. Accidental damage cover is automatically provided for television sets, stereo equipment, computers and mirrors. This cover can be extended to cover accidental damage cover to other household contents

Personal Possessions

This optional cover allows you to protect your personal possessions on an “All-risks” basis, both at home and away from the home.

Typically, such items include portable CD and MP3 players, watches, hand bags, sports equipment, mobile phones, jewellery and clothing. Personal cash may also be covered.

If you select this cover, your personal possessions will be protected against many of the hazards of modern life anywhere in the world.

Equity Insurance Services and Hurst Group are trading styles of R. J. Hurst and Partners Ltd.
Authorised and regulated by the Financial Conduct Authority.
Registered in England (No. 492768) 131-133 New London Road, Chelmsford, Essex CM2 0QZ