DO NOT USE THIS BROKE, they use very poor off shore under writers who are cheap but you get very little cover. I have had to make a large claim and it is going to cost me tens of thousands due to a poor underwriter in Gibraltar. A policy is not cheap if you are not covered. I was shocked at the number of exclusions. Avoid this broker, look for one of the big companies and get the correct insurance. Just look at the website! Just because you found homeinsurer.co.uk on a compare insurance website does not make them good, you have be warned; you will be fine until you really need to make a claim...