Home Insurance

This is a huge decision that will impact your property insurance costs for the foreseeable future. The size, materials, and type of your home will all indicate the cost to repair it. Our research shows that detached homes cost 35% more to insure than semi-detached homes.

The location of your home lets insurers know a lot about its risk level. They will be able to find out the flood risks and crime rates in your area. This is why it is so important to do your research and know what red flags to look out for when you are viewing a home.

Any additional coverage you add to your policy can come at an additional price. So always choose only the coverage you really need when you compare quotes. Estimate your rebuild cost accurately so you do not over-insure.

You could also choose to increase the excess on your policy to reduce the premium. Just know that this will mean paying a little more out of pocket each time you make a claim.

Providers will usually charge less if you pay your premium annually rather than monthly. This is because you avoid the added interest that is applied when you pay monthly. By paying your insurance monthly you are essentially entering into a credit agreement with your insurer.

Continued home maintenance means you lower the risk of developing issues that result in claiming your insurance. A good no-claims history can get you cheaper home insurance policies when you start to compare quotes.

Improving home security makes you less of a risk to insure, so could reduce the premiums on both home and contents policies. Insurers often reward measures like installing security lights, house alarms, and BSI (British Standards Association) approved locks like a 5 lever mortice deadlock.

Although insurance providers consider similar factors when calculating your insurance cost, each uses its own pricing model that gives different importance to each factor. That’s why home insurance comparison is so important when you are looking for the cheapest quotes. Different insurers could also offer incentives like rewards or free gifts which you can benefit from.

Covers unexpected and accidental damage caused to your home or its contents. This can include damages caused by you or your family like breaking windows or cracking floor tiles.

Home emergency protection offers fast help with the cost of repairing damages that put the occupant’s health or safety at risk. This could be a broken heating system or burst pipes.

Provides temporary alternative accommodation if our home isn’t safe to stay in. Your policy documents will outline these events, which usually include flooding, fire, or storm damage.

Protects your bicycle against damage or theft while you store it at home. This option is available whether you keep your bike in a shed or hallway.

Covers the cost of getting legal help or advice for disputes related to your property. An example would be a boundary dispute or noise complaint.

This gives you additional coverage that can include valuables you take outside of the home like jewellery, instruments, or devices. You can also insure these separately under gadget insurance.

While garages that are attached to your property will usually be covered by home insurance, some providers will not cover separate buildings. Outbuilding insurance can cover these gaps, as well as lockups outside of your property.