Product review: Heading towards a home run

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Product: Cavere Residential Buildings & Contents Insurance

Underwriter: Ageas (with flood risks ceded to Flood Re)

Commission paid: Variable 0-30%

Coverage: UK

Minimum premium: £66

Excess: Standard excess - £100, subsidence - £1,000, leaking or freezing water & leaking oil - £350, flood - £250

Contact: Emma Stark – product manager

Key benefits

▶ Sum insured up to £1m for buildings and £100,000 for contents.

▶ Building repairs guaranteed.

▶ Cover for damage caused by emergency services.

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