Home Insurance

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Home Insurance Comparison

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Home Insurance Comparison

Compare home insurance quotes to see if you can save money on your building and contents insurance in minutes.

To get a home insurance quote, click on the button above, fill out a few brief details, and we will instantly return a range of quotes from leading providers in price order to see how much money you could save compared to your current home insurance provider.

Quote Goat can help you save money by switching to a cheaper home insurance provider, whether you are looking for buildings insurance, contents insurance, or both.

What Is Home Insurance?

Home insurance financially protects a policyholder and consists of two main covers; buildings insurance and contents insurance. Buildings insurance covers costs relating to theft, damage or destruction of the building. Contents insurance refers to loss, damage, theft or destruction of the policyholder’s belongings. Home insurance is not a legal requirement, but a mortgage provider often insists upon it.

Types of Home Insurance Explained

Buildings insurance:

Quotes for buildings insurance are based on the cost to rebuild your home, not the property’s value. This type of home insurance covers the actual house itself, i.e. the bricks and other materials of the building. The policy would pay for the cost of repairing or rebuilding your home in the event of damage or destruction.

Contents insurance:

As the name suggests, this type of home insurance is for your belongings inside the house. Contents cover includes clothes, electrical equipment, valuables and furniture, and any other items you own. It can be good to get a value for your belongings in each room of your house or flat, which you can then use to determine the total value of goods in your property.

Tips For When You Compare Home Insurance

How to keep home insurance quotes to a minimum

  1. Home Insurance is important, so reducing your cover to keep premiums low is not recommended. If you are a home owner and need both contents and buildings insurance, it is often cheaper to get both premiums through the same provider.
  2. Premiums typically go up when you make a claim. You also lose your no claims bonus, so ensure you only make a claim when necessary.
  3. Consider the amount you are comfortable setting for your voluntary excess (the amount you will need to pay towards any claim); a higher excess often equals a lower premium.

Extra protection

When comparing home insurance policies, look at the additional protection on offer, which could be bolted on automatically or may be an additional cost. These include:

  • Accidental Damages – accidents, e.g. knocking a TV off the ledge
  • Legal Expenses – protecting you against the cost of being sued and other legal costs
  • Home Emergency – including cover for heating, electrics and plumbing

Urgent repairs

If your house requires any emergency repairs, speak to your home insurance policy provider. They may need you to use a selection of pre-approved tradespeople to fix whatever problem you face. Also, make sure that you try to reasonably prevent any further damage from occurring once you notice the issue.

Claims that are invalidated

There are several ways in which you could inadvertently invalidate your home insurance claim. When applying for a home insurance quote, you must provide accurate information, e.g. about the locks on the house. Make sure you use your burglar alarm if you have told your insurance company you have one (therefore reducing your premium). Say if you use the property as a workplace. Once you have insurance, do not leave windows open when you are out/away from the property.

Written By Michael Foote, Insurance and Finance Expert

Michael Foote is the founder of Quote Goat and has over 13 years experience working in the finance, insurance and currency sectors. Since launching Quote Goat he has appeared on TV as well as many of the largest online publications including Forbes, The Telegraph and The Metro. Prior to Quote Goat, he worked in finance in the city for a number of firms including HSBC.