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Home Insurance

Compare cheap home insurance quotes today

Save up to £75* on your home insurance

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*51% of customers could save up to £75.83. Consumer Intelligence, Oct 2016.

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*MORETH>N joint Buildings & Contents policies purchased through MoneySuperMarket and held for 70 days. See full T&Cs here

HOME INSURANCE

What do I need to run a home insurance quote?

Insurance for your home includes contents insurance and buildings insurance, so that your belongings and your bricks and mortar are protected against fire, flooding, storm damage and theft

When applying for home contents and buildings insurance, you will need the following information:

Details about your property:

  • Your address and property type (eg semi-detached or terraced)
  • Number of rooms
  • When your home was built
  • What percentage of the roof is flat (we’ll help you work this out)
  • Number of occupants and when they tend to be home 

Rebuilding cost and value of contents

  • Based on your postcode, we’ll suggest a figure for the cost

Security at your property: 

  • What lock types are on the windows and doors at your home?
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Home insurance checklist illustration

 

How to save money on your home insurance illustration

How to cut the cost of home insurance

MoneySuperMarket data found the average cost of home insurance (combined) in autumn 2016 (September to November) was £105.

Here are our top tips on how to reduce the amount you pay for cover:   

  • Shop around: Compare quotes from different insurers to ensure you are getting the best price. Market research company, Consumer Intelligence, found that 51% of customers could save up to £76 when comparing policies through us.     
  • Increase your excess: The higher the excess, the lower your premium will be. Make sure the amount you choose is affordable should you need to make a claim.
  • Pay annually: Interest charges are often added when you opt for monthly payments, so paying annually could reduce the amount you pay overall.
  • Build your no claims bonus: Insurers offer discounts if you have a claim-free history, in some cases up to 50% off.   

For more tips, read our money-saving guide.

*Consumer Intelligence data – October 2016

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What kind of insurance should I get?

If you own your home, then you will need both buildings and contents insurance. If you have a mortgage, your bank or building society will require you to have buildings insurance. If you’re renting your property, then buildings insurance will be the responsibility of your landlord, but you will need contents cover to protect your possessions.

You can reduce the cost of home insurance by taking out a combined buildings and contents insurance policy with an insurer that offers a discount if you buy both types from them.

Contents insurance

Contents insurance provides protection for your valuables and covers your home contents against loss or damage by theft or attempted theft, flood, storm, fire, explosion, lightning or earthquake.

When running a quote you might find it helpful to work out the value of the contents of each room in turn before adding them together for your grand total. We’ll ask you about the value of expensive single items in your home such as laptops, jewellery, bicycles and items worth more than £1,000, to ensure your possessions are adequately covered.

Buildings insurance

Buildings insurance covers the cost of repairs or rebuilding works to the structural parts of your home. It provides protection for your home from flooding, fire and storms. The amount of buildings cover you need is based on how much it would cost to rebuild your property, rather than its market value. When you run a buildings insurance quote, we’ll suggest a re-build amount using data about your address provided by the Royal Institution of Chartered Surveyors (RICS).

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We’re 100% independent: working only for our customers

Unlike some of our competitors, MoneySuperMarket is not owned by an insurance company. So we can offer great value, with savings delivered straight to you.

We combine independence, so we can negotiate the best prices, with excellent technology, to find great value products and services for you. That’s what makes us - in our customers’ opinions - the best price comparison website.

Level of service

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.

Not enough there to get your teeth into? Try looking at our news, views and in-depth home insurance guides.