Ember JD

Ember JD operates as a UK Home Insurance Broker, providing insurance services and solutions since 1970, when the Ember office first opened. The firm is a trading name of Jensten Insurance Brokers Limited, authorised and regulated by the Financial Conduct Authority. Over several decades, the company has expanded its operations, including the acquisition of JD Insurance in 2002, and has relocated its offices multiple times, moving to Devonshire Square in the heart of the City in 2022. As an independent insurance broker, Ember JD's aim is to identify and offer suitable policies at competitive rates, catering to a diverse range of property and liability insurance needs across the United Kingdom.

The company offers competitive premiums for various insurance types, including comprehensive buildings and contents coverage for homes and annexes. Beyond standard home insurance, Ember JD also extends its services to commercial property and tradesman liability covers. A significant specialization of the firm is in short-term unoccupied home insurance, providing flexible policy durations of 3, 6, or 9 months. This offering is designed to cater to properties that are temporarily vacant, ensuring continued protection during periods of non-occupancy.

For empty homes requiring ongoing protection, Ember JD facilitates new quotes before the expiry of an initial short-term policy, ensuring continuous coverage. The firm's insurance solutions are tailored to specific property types, including converted flats and maisonettes, and steel-framed houses. The company also offers home and annexe insurance, designed for situations where an annexe is utilised by family members, for holiday lets, or by tenants. Additionally, Ember JD provides block of flats insurance for multiple occupancy buildings and specialist home insurance, including for properties previously underpinned due to subsidence.

Ember JD streamlines the process for obtaining insurance quotes through an online quote form available on its website, which asks relevant questions to process and offer a quote. The platform guides users to relevant pages, providing detailed information and enabling straightforward quote requests. As independent insurance brokers, the firm's objective is to ensure clients receive suitable policies at its most competitive rates. The company is committed to providing clear and transparent information, responsive and personalized service, and a seamless, easy-to-navigate insurance experience, operating with transparency and integrity.

Ember JD's services hold significant relevance for the Purpose-Built Student Accommodation (PBSA) sector, particularly through its "Let Home Insurance" policies. These policies are designed to cover properties let and occupied by various tenant types, including students. Offerings for landlords include coverage for buildings and contents, and can automatically include loss of rental income if a home becomes uninhabitable following insured damage. Public liability coverage is also included, protecting against claims from tenants or the public for injury or property damage.

Furthermore, Ember JD's specialization in short-term unoccupied home insurance is pertinent for PBSA providers during periods when student residences are vacant, ensuring continuous protection. The firm also offers block policies for owners of multiple let homes, which can be cost-effective for PBSA operators.