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 three-bedroom house
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151% of consumers could save up to £114.16 a year on buildings and contents insurance. Consumer Intelligence, October 2021.
Home insurance is important if you want to protect your home and your possessions from natural disasters, mishaps and theft. And if you have a mortgage, your lender will almost certainly insist that you take out a home insurance policy.
Two main types of three-bedroom home insurance are available: buildings insurance, which protects the structure of your property, and contents insurance, which protects fixtures, fittings and your possessions. These are often sold as a single policy known as combined home insurance, but you can take either one out separately..
Contents insurance protects the possessions you have in your three-bedroom home and includes any items that you would take with you if you moved home. It is likely that the more bedrooms you have, the more items you 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 three-bedroom home insurance quote with us, it’s a good idea to have some basic information to hand, including:
We’re here to help you protect the things that matter most
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.
It's vital that you give an accurate estimate of the value of your possessions for your contents insurance. If you underestimate, your possessions may not all be covered when you make a claim. If you overestimate, you’ll be paying higher premiums than you need to.
This may sound hard, but there are ways to make it work. Go through each room in the house and note down what's in it. Then use a mix of receipts for purchases or online prices to come up with an approximate figure of what the total contents would cost to replace.
Insurers will usually specify an upper limit on the value for single items, which is generally set at £1,500. You don’t need to list any items that are worth less than this, but items that you think are worth more, such as art or jewellery, will need to be specifically mentioned.
Additional types of cover are also available if you need them, including:
Personal possessions cover: Covers your belongings when you bring them with you away from home. For example, if you lose your laptop or phone while you were out you could claim on your household contents cover
Accidental damage: This pays to repair or replace possessions damaged by accident – for instance if you or a guest knock them over
When looking for buildings and/or contents insurance for your three-bedroom home, it's important to realise that all policies are different. Varying degrees of cover will be offered, so it’s important to shop around to get the best deal for you.
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
Protect your home and make sure you’re getting the best price
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How to protect your belongings when you live in rented accommodation
Make sure you don’t leave anything behind with our moving home checklist
How to calculate the cost of rebuilding your home before taking out cover
Learn more about home insurance with our selection of guides and articles
Learn more about the home insurance providers we work with
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