Home Insurance Comparison
Compare home insurance quotes to see if you can save money on both building and contents insurance in a matter of minutes.
To get a home insurance quote just 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 so you’ll see how much money you could save compared to your current home insurance provider.
Whether you are looking for just building, contents or complete home insurance you could save money by using our partner’s comparison solution which will help you compare quotes and potentially switch to a new provider.
Types of Home Insurance Explained
Quotes for buildings insurance are based on the cost to re-build your home as opposed to the value of the property. This type of home insurance covers the actual home 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 even totally destroyed by a storm.
As the name suggests, this type of home insurance is for your belongings inside the house. This includes clothes, electrical equipment and furniture, as well as any other items you own. It can be a good idea to get a value for your belongings in each room of your house or flat, which you can then add together to work out the total value of goods in your property.
Tips For When You Compare Home Insurance
Keeping Home Insurance Quotes To A Minimum
Home Insurance is important and it is therefore not recommended to reduce your cover to keep premiums low. For example, if you are a home owner and are probably buying both contents and building insurance, it is often cheaper to get both premiums through the same provider.
Premiums go up when you make a claim as well as the fact that you lose your no claims bonus so make sure you only make a claim when necessary.
As well as this, consider what amount you are comfortable paying as your voluntary excess (the amount you will need to pay towards any claim), higher excess equals lower premium.
When you are comparing home insurance policies, have a look at the additional protection on offer, which could be bolted on automatically or may require extra expense. These include:
- Accidental Damage – Accidents e.g. knocking a TV off the ledge
- Legal Expense – protecting you against the cost of being sued amongst other areas
- Home Emergency – Including cover for heating, electrics and plumbing
If your house requires any emergency repairs then speak to your home insurance policy provider straight away. This is because they may require you use a selection of pre-approved tradesmen to fix whatever problem you are facing. 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 a number of ways in which you could inadvertently invalidate your home insurance claim. When applying for a home insurance quote, it is important that you provide accurate descriptions of 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, and once you have insurance, do not leave windows open when you are out/away from the property.