Sum-insured policy
You decide how much cover you need for your contents buy calculating the replacement value of your contents
Compare home insurance for a two-bedroom house
Compare cheap home insurance quotes
We’re committed to finding the right cover for you and your home.
That’s why we compare over 55 of the biggest insurance providers in the country, including:
If you’re a homeowner, buildings insurance is a good idea, no matter how many bedrooms you’ve got. It covers the structure of your home – the bricks and the mortar – along with permanent fixtures within it, for example your bathroom suite.
It is not compulsory if you’re a homeowner, but if you have a mortgage, it is likely to be one of the conditions from your mortgage lender. If you’re a tenant living in rented accommodation, your landlord will be responsible for buildings insurance.
Does the number of bedrooms affect my contents insurance?
Contents insurance covers everything within your house – think of it as everything you would take with you if you were to move home. It’s likely that the more bedrooms you have, the more possessions you’ll probably have to insure.
There are three options when it comes to protecting your belongings:
You decide how much cover you need for your contents buy calculating the replacement value of your contents
You don’t have to worry about being underinsured because cover is unlimited but the premiums are likely to be high
This is where the insurance provider works out the contents cover based on the number of bedrooms you have, based on average figures
To get a home insurance quote with us, it’s a good idea to have some basic information about your two-bedroom home to hand, including:
We’re here to help you protect the things that matter most
Pop in some details about your home and your belongings, and compare quotes in just a few minutes
We’ll search the market for the cheapest deals, and help you choose the cover that suits your needs
We’ll show you claims experience for policies, to help you choose the right home insurance policy for you
Insurers count bedrooms as any room used as, or originally built to be a bedroom – even if it's used for other purposes. So, if you had two bedrooms and turned one into an office, it would still count as a two-bedroom house, not a one-bed.
Bedrooms are usually identified by being able to fit a single bed and having a window, but there’s no legal requirement for this. It’s down to the individual insurance provider to say what they consider a bedroom to be.
You’ll need to check exactly what your insurance provider defines as a bedroom in your policy. Make sure you give the right information, otherwise your policy might not pay out if you need to make a claim.
When looking for buildings and/or contents insurance for your two bedroom home, it's important to realise that all policies are different.
They will provide varying degrees of cover and offer different things, which is why it's important to shop around for a number of quotes to get the best deal.
While it can be tempting to go for the cheapest policy, be aware that this could be a false economy and you may end up having to shell out if you don't have comprehensive cover.
Here are some top tips for making sure you get the best deal.
Consider buying combined home insurance from the same provider as this will often attract a discount
Opting for a higher excess can bring down the cost of your premium. Just make sure this is sensible and that you would be able to afford it if you had to put in a claim
Make sure your home is properly secured with a burglar alarm and approved locks. It can also help if you join a neighbourhood watch scheme
Paying for your insurance annually rather than monthly will be cheaper. It also means you get it out of the way for the year
Build up a no-claims discount. Insurers usually reward people who have not made any claims in the past with a cheaper policy premium
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You might be wondering if we work with all the companies in the market, or if our commercial relationships with our partners might make us feature one company above another. We’ve got nothing to hide, and we want to give you clear answers when it comes to questions like these, so we’ve pulled together everything you need to know on this page.
We aim to show you home insurance quotes from as many insurance companies as possible, so that you can find the right policy for you.
Unfortunately, we can’t promise to show quotes from every insurance provider, because not all companies want to be included on comparison websites.
We won’t offer you advice or make a recommendation, but we will provide you with all the information you need to help you decide which is the right policy for you.
You can find out more about how we work here.