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Understanding how holiday home insurance works.
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Insuring a Property You Rarely Visit

Gerald Ntumba-WhitlockUpdated on August 20, 2026March 30, 202612 min read

I remember standing in a coastal cottage three years ago, the air thick with the smell of salt spray and …

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Understanding how unoccupied property cover works.
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Leaving a Property Empty and the Conditions That Apply

Gerald Ntumba-Whitlock March 23, 2026March 23, 202612 min read

I remember standing in a hallway in Surrey about twelve years ago, smelling nothing but damp rot and stale air. …

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Explaining how leasehold insurance works.
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Who Insures a Leasehold Flat

Gerald Ntumba-Whitlock March 17, 2026March 17, 202611 min read

I remember standing in a hallway in a mid-rise block in South London, the air thick with the smell of …

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Guide on how tenants should insure.
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Tenants Insuring What the Landlord Does Not

Gerald Ntumba-Whitlock March 5, 2026March 5, 202612 min read

I remember standing in a flat in South London back in ’94, the air thick with the smell of scorched …

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Explaining how landlord insurance differs.
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Landlord Cover and Loss of Rent

Gerald Ntumba-Whitlock March 3, 2026March 3, 202611 min read

I remember standing in a semi-flooded semi-detached in Bristol back in ’94, looking at a property owner who was absolutely …

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Explaining how accidental damage extensions work.
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Whether the Accidental Damage Add-on Pays

Gerald Ntumba-Whitlock February 20, 2026February 20, 202611 min read

I remember standing in a living room back in ’94, looking at a shattered, high-end television and a homeowner who …

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Understanding how home emergency cover works.
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Home Emergency Is a Call-out, Not a Repair

Gerald Ntumba-Whitlock February 15, 2026February 15, 202611 min read

I remember standing in a semi-flooded hallway in a semi-detached in Reading, watching a homeowner stare in disbelief at a …

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How personal possessions cover works for items.
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Cover for Things You Take Out of the House

Gerald Ntumba-Whitlock February 11, 2026February 11, 202611 min read

I remember standing in a living room that smelled of stale smoke and scorched nylon, looking at a man who …

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How high value items are covered: rings.
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Specifying the Ring Before You Lose It

Gerald Ntumba-WhitlockUpdated on August 20, 2026January 31, 202611 min read

I remember standing in a living room in Surrey back in ’94, looking at the charred remains of a mahogany …

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How to value contents accurately via inventory.
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Room by Room Inventory in an Afternoon

Gerald Ntumba-WhitlockUpdated on August 20, 2026January 27, 202611 min read

I remember standing in a living room in Surrey back in ’94, the air thick with the smell of wet …

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