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Over 50 Home Insurance

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Over 50’s home buildings & contents insurance 

Why consider home insurance for over 50s?

Once a person turns 50, their lifestyle changes somewhat, and insurers often see them as being a lower risk to insure. Over 50 home insurance is simply home insurance that focuses on insuring older homeowners. And because of this lower perceived risk, it can often come with lower premiums. Home insurance for over 50s gives you all the usual buildings and contents protections and could offer higher coverage limits than usual. Added benefits like home emergency or accidental damage cover make for comprehensive protection against the financial strain of damage or loss of your home.  

Types of home insurance available for over 50s

There are various options when choosing home insurance for over 50 year olds. Getting exactly the cover you need is a key part of keeping costs as low as possible. These are your main options for insuring your home. 

Buildings insurance for over 50s

Buildings insurance covers the structure of a home including the roof, walls, and any permanent fixtures. This will usually be required by lenders if there is still a mortgage on the home. But even if you own your home outright, building insurance is a crucial safeguard, protecting the assets you’ve worked hard for throughout your life. 

Contents insurance for over 50s

The contents of a home are any personal items or valuables you would be able to take with you if you were to move. Over 50 home contents insurance provides cover for these belongings if they’re damaged, destroyed, or stolen.  

To ensure everything is properly covered by your over 50’s home insurance, you’ll need to give a total replacement value. You’ll also need to list any high value items (worth over approximately £1,000) separately.  

Combined buildings and contents insurance

If you want coverage for both your building and its contents, you can combine this into one policy. Bundling policies often leads to discounts, so if you have existing home insurance for over 50’s, consider adjusting this policy alongside comparing quotes. 

Additional insurance options for over 50s

You can include other cover that does not come as standard to get more comprehensive coverage. Cover for legal expenses, personal belongings not kept in your home, accidental damage, or home emergencies are all available with home insurance for over 50s.  

Specialist policies for unoccupied properties, probate properties, second homes and holiday homes are also available.  

How can I find the cheapest over 50 home insurance?

Finding affordable home insurance is all about reducing your risk to insurers. And over 50s and over 60s already have a head start in this respect. Some more things that could help you get cheaper premiums are: 

Increase your home security

Installing security features like house alarms or CCTV can help protect against burglary.

Choose a higher voluntary excess

Choosing a higher voluntary excess can lower your insurance costs. Just be aware that insurers can add their own required excess on top of this. 

Build your no-claims discounts

Many insurers offer discounts to those with a long no claims history. Good home maintenance could help you avoid making claims and build your home insurance no claims discount.

Shop around and compare quotes

Comparing quotes from multiple insurers is an effective way to find competitive deals on over 50s home insurance. When you compare with Quotezone, you can get quotes from 40 UK home insurers in minutes. 

How to get over 50s home insurance

Getting over 50s home insurance is straightforward with Quotezone. Simply enter your details into our online quote form, and we’ll match you with a selection of quotes tailored to your needs. You can adjust coverage levels and add optional extras to see how these affect your premium, and compare quotes side by side to make the best choice for you.  

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Over 50s home insurance FAQs

Is home insurance cheaper for over 50s?

Broadly speaking, yes. Insurers can offer lower premiums for homeowners over 50 if the individual fits into the lower risk profile of this age group. While a combination of factors influences the final price of your policy, being over 50 could work in your favour when it comes to home insurance costs. 

What is the best over 50s home insurance?

Comparing a range of policies can help you find the best option for your needs and budget. Insurers will often offer the same levels of coverage at different costs and with different limits and exclusions. So, reviewing these before you buy is important to making informed decisions.  

How much is home insurance for over 50s?

Home insurance is typically cheaper for over 50s. However, home insurance costs will vary depending on the value of the home and its contents, the level of cover required, and the claims history of the insured. If you want to find cheap home insurance for over 50, we recommend comparing multiple quotes as the same cover can come at different costs. 

What does over 50s home insurance cover?

Home insurance may cover the building and its contents. However, each policy will outline its own inclusions and exclusions. That’s why it’s important to compare various policies before you buy. This guide can help you understand what home insurance typically does and doesn’t cover. 

Will a parent’s home insurance cover a student’s belongings at university?

If your home insurance has personal belongings cover, your possessions can be covered while temporarily removed from your home. Depending on the limitations of your policy, this can include your children’s things while they are at university. This is usually only applicable if your home is still considered their main address, and it only covers belongings within their student accommodation.

Does over 50 home insurance cover non-standard properties?

There are a variety of different housing types and builds across the UK. And these can be covered by specialist home insurance policies that are tailored to their needs. Non-standard homes can include homes with a  flat roof, thatched roof, listed buildings or homes at risk of flooding.

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Really helpful and saved me a fortune on my house insurance

Elaine

Newcastle upon Tyne, United Kingdom

My home insurance had double in one year. I had been with this insurance company for over 20 years, and never claimed. Yet I was given no good reason for the increase, but that the cost of things were going up. I managed to get a better cover for a lot less then 50% of my new quote.

Parveez

United Kingdom

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