Whether you're a first-time buyer or a seasoned homeowner, home insurance is something you should consider. Most mortgage lenders will require that you have some form of cover in place.
Home insurance is a type of property insurance that covers your home and possessions in the event of damage or theft.
Home insurance can help you repair or replace your home and belongings if they're damaged or destroyed by a covered event, such as a fire, storm, theft, or vandalism.
A standard buildings policy covers the overall structure of your home. This includes any permanent fixtures, such as the roof, walls, floors, a fitted kitchen or bathroom.
Covers personal items in your home, such as furniture, TVs and electrical items, kitchenware, clothing, jewelry and soft furnishings.
A combination of both buildings and contents insurance, whether you own your home outright or have a mortgage. Combined cover protects your home and everything you own inside it.
Some insurers include personal possessions as standard, some others don’t. It’s important to check you have the right cover, not just the cheapest home insurance.
In most cases you shouldn't have to take out any additional cover, though if you regularly work from home let your insurer know, not telling them could invalidate a future claim.
To calculate the amount of cover you need, you should think about how much it would cost to rebuild your property; and how much it would cost to replace your belongings inside.
Most home insurance policies will cover unoccupied properties for up to 60 days, if anything happens outside this period you’re unlikely to be covered.
Our cutting-edge technology compares prices and cover directly from leading providers. We also have experts just on the other side of the phone to discuss your individual needs.
Our service is completely free and there’s no pressure to take out a policy. We’re 100% independent and FCA regulated, meaning you can proceed with confidence.