Fred Black Insurance Brokers is a trusted specialist in property insurance, dedicated to providing tailored coverage solutions. We take the time to understand our clients’ unique needs, ensuring they receive the most suitable policy at a competitive price. Our commitment to personalized service fosters long-term relationships built on trust, and we remain available to support clients throughout the life of their policies. With access to a wide range of cost-effective insurance options, we frequently offer better value than major competitors, delivering both quality coverage and exceptional customer care.
Protect your land with tailored insurance solutions from Fred Black
Single or Multi-property Insurance at the most competitive rates.
Any mixture of tenancy / lease / occupancy considered.
Renovation insurance covering all home improvement projects, including construction work.
Some properties need specialist home insurance, which is why we provide affordable coverage tailored to your specific needs. Whether your home is in a flood-risk area or has a thatched roof, we partner with leading A-rated insurance underwriters, to offer you competitive quotes and reliable protection.
At Fred Black Insurance Brokers, we prioritize reliability and security when it comes to protecting what matters most to you. That’s why we work with A-rated insurance underwriters, recognized for their financial strength, stability, and ability to pay claims.
Whether you need home, land, renovation, or specialist property insurance, our partnerships with top-rated insurers ensure you receive comprehensive coverage and peace of mind. With Fred Black, you’re not just getting insurance—you’re securing a future backed by trusted industry leaders.
As a landlord, unexpected risks such as flood damage, burst pipes, or fire can arise, often beyond your control. Our specialist landlord insurance provides comprehensive protection, ensuring peace of mind when renting out your property. Whether you own a single rental unit, a student let, or a portfolio of high-value properties, we offer tailored coverage to safeguard your investment.
Landlord insurance is designed specifically for rental properties, covering both the building and its contents against risks that standard home insurance policies may not include. This protection typically covers damage from floods, fires, storms, and unexpected incidents like burst pipes, helping you manage potential financial losses.
To ensure complete protection, we offer a range of optional extras, including:
The cost of landlord insurance depends on factors such as property value, tenant type, and the level of coverage needed. At Fred Black Insurance Brokers, we take a personalized approach, allowing you to customize your policy with the options that best suit your needs—all at competitive rates.
Your home is filled with valuable possessions, and contents insurance ensures they’re protected against theft, damage, or loss. Whether you’re a homeowner or a tenant, our tailored contents insurance provides financial security for the items that matter most to you.
Contents insurance is designed to cover the cost of replacing or repairing personal belongings inside your home if they are stolen, damaged, or destroyed. Unlike buildings insurance, which protects the physical structure of a property, contents insurance focuses on movable possessions—everything you’d typically take with you if you moved home.
If you rent a property, contents-only insurance is a great option, as your landlord’s policy will typically cover the building itself. However, homeowners may benefit from combining contents and buildings insurance into a comprehensive home insurance policy for added convenience and cost savings.
Some policies include extra protection, such as:
Your home contents insurance protects the valuables inside your house, but what about the items you carry with you every day? Personal possessions insurance provides cover for belongings outside the home, ensuring they’re protected against accidental loss, theft, or damage while you’re out and about.
This type of insurance extends protection to valuable everyday items, including:
Insurance providers typically set a single-item limit, which is the maximum amount you can claim for any one item. If you own high-value possessions that exceed this limit, they must be listed separately on your policy, and you’ll need to specify that you want worldwide or out-of-home coverage.
At Fred Black Insurance Brokers, we help tailor your personal possessions insurance to ensure your valuables are fully protected wherever you go. Get in touch today to find the right cover for your needs!
Avoid accidentally doubling up. Check you don’t already have cover for items like your phone or laptop. There’s no benefit to having items covered by more than one policy, as you won’t be able to claim twice.
Not always. Coverage depends on your policy, so it’s important to check the details. Some insurers may offer protection in certain situations, such as:
✔ Lending a valuable item (e.g., a laptop or jewelry) to a friend or family member
✔ Sending personal belongings for repair
✔ Temporarily storing items outside your home
✔ Moving house, where items are stored or transported by a removal company
Coverage varies by policy. Some insurers offer worldwide protection, while others only cover belongings within your country of residence. If you are covered abroad, there may be:
✔ Time limits on how long you’re protected
✔ Geographical restrictions (e.g., Europe only)
For extended trips or travel beyond your policy’s limits, consider adding extra cover or taking out travel insurance to ensure your belongings are protected.
Standalone personal possessions insurance—also known as "away from home" cover—may be available, but it’s typically offered as an add-on to home contents insurance. Speak to us to explore your options.
Yes, family members who live with you permanently are usually covered under your policy. However, it’s always best to check the details to ensure their belongings are included.
At Fred Black, we help you find the right level of protection for your valuables—wherever life takes you.
Committed to providing personalized insurance solutions.
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