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Home Insurance for Over 60s

Over 60s Home Insurance

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Cheap home insurance for over 60s

Why home insurance is important for those over 60

Reaching 60 often means retiring or planning for a future on a fixed income. This can make the expense of unexpected damage to your home even more daunting. With home insurance for over 60s, your home and finances will be better protected. It can cover the cost of damage or loss of your property or belongings, safeguarding your most valuable asset.

Types of home insurance available for over 60s

Combined home and contents insurance for over 60s

A combined home and contents insurance for over 60s policy covers both the structure of your house and your personal belongings inside.  

Buildings only insurance for over 60s

A buildings only insurance policy does not cover the contents of your home, but rather, the most expensive parts like the walls, roof, and permanent fixtures.  
 

Contents insurance for over 60s

Contents insurance can protect your valuable and cherished belongings. For this, you’ll need to estimate the total replacement cost of your belongings, and list any high value items separately.   

Additional insurance options

A standard home insurance policy might not cover everything. So, you may want to consider adding cover like accidental damage, personal belongings, home emergencies, or legal expenses protection.  

If you travel a lot, unoccupied property cover can be useful too. Just remember these levels of cover are optional, and often come at an extra cost. 

What is the cheapest home insurance for over 60s?

With the average cost of home insurance as high as £289.38 in some areas of England, it’s understandable that you’ll want to find the cheapest home insurance for over 60s. However, each insurer uses their own criteria to set insurance costs. This is why shopping around is so effective in finding cheaper deals.  

Factors that influence home insurance premiums for over 60s

Criteria that insurers use to set their home insurance premiums will typically include things that indicate the risk of insuring your home. These include your property’s location, the type of coverage you choose, and your home’s age and structure. 

Tips for getting cheap home insurance quotes for over 60s

A few things you can do to help your chances of finding cheaper over 60s or over 50s home insurance include improving your home’s security or opting for a higher voluntary excess. 

More long-term measures like carrying out proper home maintenance can also help. Fixing minor damage that could be escalated in an event like a storm could mean you have fewer quotes over time. And building a no-claims record can lower premiums.   

One of the easiest ways to save is to compare multiple quotes from reputable insurers. Quotezone can help you compare up to 40 trusted UK home insurers in minutes, so you don’t pay more than necessary.  

How to get over 60 home insurance

Getting quotes

Finding over 60s home insurance quotes at Quotezone is straightforward and can be completed online. Simply fill in a few details about you, your property, and the type of coverage you need, and we’ll do all the work. 

Information and documents you’ll need

You’ll already have most of the information you need to hand. Things like whether you live in a detached, or semi-detached home, the property’s location, and building materials are often common knowledge.  

You’ll also need to know the approximate age of the building, as well as security features and rebuild costs. These might take a bit more investigation, but can typically be found on existing documents like those for your mortgage.  

Comparing home insurance over 60 quotes

With Quotezone.co.uk, we make it easy to compare quotes from up to 40 trusted UK home insurers at once. We allow you to review these options side by side so you can choose a policy that matches both your needs and budget. 

Over 60s Home Insurance FAQs

Is home insurance cheaper for over 60s?

Home insurance for the over 60s is often cheaper because older people are generally considered less of a risk to insure. Many over 60s are retired and have more time to take care of their properties. They can also be home more often, lowering the risk of incidents like burglary. Being home can also lower the extent of damage caused by accidents like fire or flooding as they can be caught and stopped earlier.  

Is home insurance mandatory?

No. Homeowners are not legally required to have home insurance. However, if you have a mortgage, your lender probably does require it. That’s because the property is security for the loan. If you own your home outright, it is still a good idea to have home insurance, it safeguards your home in the events like fire, flooding, storms and burglary.  

What does home insurance for over 60s cover?

We’ve prepared an extensive guide on what home insurance covers. This goes into detail on what is and isn’t covered by buildings and contents cover, as well as optional coverage you can add to your policy.  

What is the best over 60s home insurance?

To find the best home insurance for over 60s in the UK, look for a policy that sufficiently covers the value of your house and your belongings. Some insurers offer discounts to over 60s, so it’s important to compare policies. Comparing quotes increases your odds of finding cheap home insurance for over 60s that meets your needs. 

How much is UK over 60s home insurance?

Premiums for over 60s home insurance can vary widely. But you can find out the cost of insuring your home with just a few clicks. Compare quotes and find competitive rates tailored to your needs now at Quotezone. 

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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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