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Home Insurance

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What is Home insurance?

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Home insurance offers financial support to cover the cost of any loss or damage that occurs as a result of an unavoidable event such as a fire, flood, or theft.

There are two elements to home insurance: contents insurance, which covers your personal possessions; and buildings insurance, which covers the structural elements of your property.

A combined home insurance policy will include both contents and buildings insurance, but you can buy the policies separately if you only want one type of cover.

We work with 85 leading home insurance providersi

Do I need home insurance?

Home insurance isn’t a legal requirement for homeowners or renters. However, it provides peace of mind in case something goes wrong out of the blue.

If you’re taking out a mortgage, your lender will probably insist you get buildings insurance before they’ll approve you for a loan.

If you’re a tenant, you’ll only need to cover your belongings – your landlord should look after the buildings cover.

What does home insurance cover?

The specific level of cover depends on the particulars of your insurance policy. Many house insurance policies will offer similar types of protection, while most will also have certain exclusions.

What is usually covered?

  • Fire damage
  • Floods and storms
  • Burglary and vandalism
  • Burst pipes and escape of water
  • Subsidence and ground heave, also known as swelling

What isn't usually covered?

  • Wear and tear
  • Negligence
  • Lack of maintenance
  • Incorrectly supplied information
  • Unoccupied properties

Understanding the types of home insurance

There are two types of home insurance cover: buildings insurance and contents insurance. You buy these separately or get both from the same company in a combined house insurance policy.

Buildings insurance
covers the physical structure of your home – the bricks and mortar – and any permanent fittings or fixtures
Contents insurance
cover protects the possessions in your home. Some policies also cover certain belongings out of the home
Buildings and contents insurance
Combined policies offer maximum protection under one policy, making complete home insurance cover cheaper

Join the thousands of customers who bought their home insurance through us

Based on 38,325 reviews 4.7/5 of our customers would buy from us again

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  • James Anderson

    01 July 2024
    "Easy to do straightforward and no issues"
  • Mary B Mcconville

    27 June 2024
    "Good to see a range of services at competitive prices"
  • Kev Brown

    24 June 2024
    "Just enter details once and get a rack of offers. easy to compare different offers. Easy to choose add ons with instant price updates"
  • Paul Stone

    08 June 2024
    "Quick and efficient website and easy to use and all details explained"

How much does home insurance cost?

The cost of home insurance depends on a range of factors, including your location, your property type, the value of your home and possessions, and your claims history. These factors can all influence how likely you are to make a claim on your house insurance policy and how big a claim might be. If you are considered more likely to make big claims, your insurance will cost more.

  • Contents £84.66ii
  • Buildings £235.09iii
  • Buildings and Contents £263.96iv

Here's what our in-house expert has to say…

According to the latest data from Consumer Intelligence, quoted home insurance prices rose by a record 41.6% in the 12 months up to April, with a 10.3% rise in the last three months marking the highest increase seen in 10 years. Prices increased across the country for all homeowners and all ages of property. It's a good idea to avoid auto-renewing your insurance as the new price might be much higher. Even if you want to stay with your current provider, compare quotes from across the market to find a better deal. Switching has never been easier

how to get cheaper home insurance quotes…

  • Increase Your Excess for Lower Premiums: Opting for a higher excess can reduce your home insurance premiums. However, ensure it remains affordable, as multiple claims may require multiple excess payments.
  • Save with Annual Payments: Paying for your home insurance annually is often cheaper than monthly payments, so consider this option if you can manage the upfront cost.
  • Build Up Your No-Claims Discount (NCD): Avoid making small or unnecessary claims to accumulate a no-claims discount, which can significantly lower your home insurance premiums over time.
  • Enhance Home Security for Lower Insurance Costs: Installing door locks, burglar alarms, and fire alarms can reduce home insurance costs, especially if you live in a high-risk area for burglaries.
  • Review and Update Your Cover Regularly: Ensure you are not over-insured by accurately assessing your home’s rebuild value and contents. Review your policy annually to adjust for any changes and maintain adequate coverage.

How to make a claim on your home insurance

With almost a quarter of home insurance claims rejected every year, it’s important that you get the correct level of cover for your home – and understand how to make a successful claim.

Read guide

Have Questions?

Understand more about home insurance

  • How does home insurance work?

    Home insurance provides financial protection for your most significant investment—your house orflat. If disasters like storms, floods, or fires occur, home insurance covers repair costs for the building and replacement costs for damaged furniture, electrical goods, and other valuables. Essentially, home insurance ensures you're not left with hefty bills if something goes wrong.

  • Who needs home insurance?
    • Homeowners: You need insurance to protect both the physical structure and your belongings.
    • Renters: You only need contents insurance as the building is usually covered by the landlord.
    • Landlords: You need insurance for the building and any contents you provide to tenants.
    • Students: Consider student contents insurance as you might not be covered by a parent or guardian's policy.
    • Flat Sharers: You need contents insurance. Shared living arrangements can affect premiums.
    • Holiday Homeowners: You need specialised insurance for properties that are empty for long periods.
  • What do I need to get a quote?

    When you apply for a home insurance quote, insurers will ask you to provide your personal details and any existing policy documents, if applicable.

    You will also be asked a number of questions about your house. Here are some things you will need to know:

    • Your home address and property type e.g. flat, terraced, or semi-detached house
    • Number of bedrooms
    • The structure of your home
    • Year the property was built
    • Whether the roof is flat or pitched
    • Details of any security alarms or systems
    • Total rebuild cost and value of the contents within your home
  • What affects the cost of home insurance?

    There are a few factors that will affect the price of your home insurance, including:

    • Location: crime rates, flood risks, number of claims in your area
    • Value and size of your home: most insurers will value the size of your home, as bigger properties will require a larger payout
    • Age of the property: older properties are more of a risk and may be built from materials that are difficult to repair and replace
    • Level of coverage: the more comprehensive your policy is, the more expensive your premiums are likely to be, and add-ons will likely increase your premiums
    • Security: having high quality door and window locks and a burglar alarm could help to improve your home security and result In cheaper premiums
  • How can I cancel my home insurance?

    You can cancel your home insurance at any time by contacting your insurer directly. If you're outside of your 14-day 'cooling-off' period, you may need to pay a fee, which is typically £30-50. Find out more about how to cancel your home insurance.

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Reviewed By: David McDermottroe

Page Updated: 18/07/2024

*51% of consumers could save up to £223.11 Consumer Intelligence , June 2024 Exc NI, CI, IOM

*51% of consumers could save up to 54.45% Consumer Intelligence, June 2024 Exc NI, CI, IOM

1 Restrictions and T&Cs apply

  1. Accurate as of 21 June 2024.
  2. The annual premium that 51% of our customers paid in May 2024 where the cover type purchased was contents insurance.
  3. The annual premium that 51% of our customers paid in May 2024 where the cover type purchased was buildings insurance.
  4. The annual premium that 51% of our customers paid in May 2024 where the cover type purchased was building and contents insurance.