In an era where comparison sites and automated purchasing journeys dominate consumer behaviour, it has never been more important to highlight the unique value that brokers bring to the home insurance market. Homeowners face an increasingly complex landscape of risks, from rising escape‑of‑water claims to more unpredictable weather events, and the quality of protection they receive can vary significantly between insurers.
This is where brokers play a vital, irreplaceable role.
Providing Expert Guidance in a Complex Market
Home insurance isn’t a commodity purchase, yet many consumers treat it as one. The reality is that the differences between policies can be vast:
- Variations in excess levels
- Differences in claims service quality
- Limits around accidental damage
- Levels of trace‑and‑access cover
- Conditions around home security, locks and alarms
Brokers help customers understand these nuances, ensuring they don’t fall into the trap of buying based on price alone. A cheap premium can look attractive, but it may leave someone underinsured or exposed at the point of claim. Brokers protect customers from that risk by helping them choose a policy that genuinely meets their needs.
Ensuring Customers Have the Right Policy, Not Just the Cheapest
Underinsurance is a major issue, with many customers assuming all policies are similar and only discovering gaps when making a claim. Brokers use their expertise to assess needs, uncover hidden risks, and recommend the best-value cover, giving customers confidence that their home and belongings are properly protected.
Access to a Panel of Insurers Means Better Outcomes
Brokers’ access to a panel of insurers lets them compare pricing, match customers to the right products, and support complex or non-standard risks. This approach increases coverage options, ensures better-quality protection, and offers market resilience that direct-only channels can’t match.
First2Protect Strengthens Broker Proposition with Two New Insurers
To further support brokers and enhance customer choice, First2Protect has strengthened its home insurance panel with the addition of two new insurers: Ageas and Integra.
This expansion offers brokers several significant benefits:
- Broader Underwriting Appetite
Ageas and Integra bring additional capability for standard and mid‑risk home insurance needs. This means more flexibility when helping customers with unique or complex situations.
- More Competitive Quotes
A wider panel results in more competitive premiums and improved product fit, particularly crucial in a market where customers expect both value and quality.
- A Stronger Overall Proposition
By broadening its insurer relationships, First2Protect reinforces its commitment to providing brokers with market-leading home insurance solutions, enabling even better outcomes for homeowners.
The Broker’s Role Has Never Been More Important
As risks evolve and customer expectations rise, brokers remain the most trusted source of guidance in the home insurance market. Their ability to blend advice, expertise, and access to a strong insurer panel ensures customers get the right cover, not just the cheapest quote.