Home and Contents Insurance Guernsey

Flexible home and contents insurance designed for Guernsey residents

Protect the place you call home with Clegg Gifford. Arranged by a local broker who understands the unique needs of island residents.

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01481 728 987

What does our Home Insurance for Guernsey residents cover?

For over 25 years, we’ve helped homeowners across the island arrange flexible, reliable cover through a carefully selected panel of trusted insurers.

Whether you’re looking for home insurance, contents insurance, or a combined policy, our Guerseny-based team will help you find the right level of protection at a competitive price.

Every home is different. That’s why our policies can be tailored to suit your property, your lifestyle and your budget.

Buildings Insurance

Protection for the structure of your home against fire, storm, flood and accidental damage*

Contents Insurance

Cover for your belongings, from furniture and electronics to clothing and personal items.

Combined insurance

Comprehensive protection under one convenient policy for your home and its contents.

Whether you live in a house, apartment, or rented home, we’ll help you arrange the right Guernsey home insurance for you.

Flexible House Insurance Options For Guernsey

Island life comes with its own considerations. Our experienced brokers work with insurer partners to offer:

Who’s it for?

Cover for a wide range of property types

Flexible excess options to help manage premiums

Specialist solutions for unusual or higher-risk properties

Choice of cover levels to suit your budget

Ongoing support at renewal or if your circumstances change

If your situation is more complex or you’ve struggled to find suitable cover elsewhere, our team will do their best to help.

Get a Home Insurance Quote

Guernsey Contents Insurance

Our contents insurance Guernsey policies can include a wide range of features including:

Key Features

New-for-old replacement cover

Accidental damage options

Higher limits for valuables with minimal need for valuations

Jewellery and personal possessions cover at home and away

Cover for items in vehicles, boats or outbuildings

Personal effects cover for children living away at university or in the UK

Optional legal expenses protection

Flexible monthly payment options via premium finance or insurer direct debit

From basic protection to comprehensive cover for high-value homes and belongings, we’ll tailor the policy to your needs.

Get a Quote for Contents Insurance

Why choose Clegg Gifford for Guernsey Home Insurance?

Local service you can trust

Speak to a real person who understands the local market. Our Guernsey team is here to guide you through your options and support you when you need it most.

Access to multiple insurers

We work with a panel of carefully selected insurance providers, giving you greater choice and flexibility than a single insurer.

Tailored cover for island living

With over two decades of experience in the Channel Islands, we understand the specific needs of homeowners and work with insurers to ensure suitable protection is available.

One broker for all your insurance needs

From home and contents to motor, travel and specialist policies, we can help protect what matters most to you and your family.

How can I reduce the cost of my Home Insurance?

Review your cover levels to ensure they reflect your current needs

Consider a higher voluntary excess

Improve home security where possible

Avoid over-insuring contents by keeping valuations up to date

Our team will be happy to talk through the options and help you find the right balance between protection and cost.

What our clients say

Discover what our clients are saying on the most trusted review platforms

We have a 4.47 Rating on 1173 Reviews

Nathan&nbsp

Serena horsewell is amazing, prompt reply to emails, for amendment and MID updates she responds very quickly and understands the importance of policy holders which is great . Delt with her couple of time and her work is great and she responds very quickly.

Posted 1 month ago

Peter&nbsp

Always very helpful and quick to respond.

Posted 2 months ago

Greig Cheeseman&nbsp

Replied to my request to add to mid in under 10 minutes many thanks Serena Horsewell

Posted 3 months ago

Waqas haleem&nbsp

Very helpful and quick response, specially thanks for Serena Porter

Posted 4 months ago

Wycombe Garage&nbsp

Ross Wilkes was brilliant with getting us a good price for our garage and motorcade he made it easy and has brilliant customer service. He made sure we have 100% cover for all aspects of our buisness. Definitely recommend him.

Posted 4 months ago

Anonymous&nbsp

Very clear on what they provide every bit of info I needed they was able to answer nothing but helpful all the way through setting up the policy and there to help after also. Big thanks to Jagpal Tumber – Motor Trade Team .

Posted 4 months ago

Deeps&nbsp

I recently had the pleasure of dealing with Clegg Gifford and would like to give special recognition to Kelly Kendall for her outstanding service. After months of difficulties with another insurer, Kelly stepped in, took ownership of the situation, and resolved everything with professionalism, clarity, and genuine care. Her communication was consistent, her guidance was clear, and she went above and beyond to make sure the matter was fully rectified. It was a real relief finally having someone who understood the history and was willing to help see it through to the end. Exceptional service from start to finish. Five stars well deserved, and my sincere thanks to Kelly for restoring confidence in the process.

Posted 4 months ago

Anonymous&nbsp

Serena Portera aways repies to my commuications promptly and couldn’t be more helpful Its a pleasure to do business with herwe

Posted 4 months ago

John Knowles&nbsp

Kelly was pleasant very well spoken and very helpful in every way possible 10/10 much appreciated thank you for your service

Posted 5 months ago

Anonymous&nbsp

Emailed change off reg numbers on two vehicle Recieved confirmation the following day from Serena How it should be Thank You Kind regards Alan Mclaughlin

Posted 6 months ago

Tedros tsehaye&nbsp

Thank Kelly kendal excellent customer service

Posted 7 months ago

Get a Home Insurance Quote in Guernsey

Looking for reliable home insurance Guernsey residents trust? Whether you need house insurance Guernsey, standalone contents insurance, or combined Guernsey home insurance, our local brokers are here to help.

Get a Callback

Support & Contact

Need Help Choosing Cover or Making A Claim?

Guernsey & Alderney: 01481 728987

Our local team is here to help you protect
Your Home and Contents with confidence.

Home and Contents Insurance Guernsey

Flexible home and contents insurance designed for Guernsey residents

What does our Home Insurance for Guernsey residents cover?

Buildings Insurance

Contents Insurance

Combined insurance

Who’s it for?

Key Features

Local service you can trust

Access to multiple insurers

Tailored cover for island living

One broker for all your insurance needs

How can I reduce the cost of my Home Insurance?

What our clients say

Nathan&nbsp

Peter&nbsp

Greig Cheeseman&nbsp

Waqas haleem&nbsp

Wycombe Garage&nbsp

Anonymous&nbsp

Deeps&nbsp

Anonymous&nbsp

John Knowles&nbsp

Anonymous&nbsp

Tedros tsehaye&nbsp

Get a Home Insurance Quote in Guernsey

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