Compare house insurance quotes

Compare house insurance with Quotezone.co.uk

There’s a good chance your house is going to be one of the most expensive investments you’ll ever make, which means it would be a good idea to safeguard that investment with a topnotch house insurance policy.

Of course, just because you might want the best house insurance you can find doesn’t mean you want to pay over the odds for your house insurance – which is where we come in.

Quotezone.co.uk’s free online house insurance comparison system can help you compare quotes from over 50 different providers in a matter of minutes, making it much more likely that you’ll find a cheap house insurance policy.

We compare house insurance quotes for everything from terraced houses to detached houses to bungalows, and you’ll have the option to choose a buildings insurance policy, a contents insurance policy or combined buildings and contents insurance.

Compare cheap house insurance quotes now

What does house insurance cover me against?

While the exacts details of what’s included and what’s excluded will vary from one insurance provider to the next, generally speaking house insurance should cover against the following types of ‘insurable risks’:

• Damage caused by adverse weather conditions, including storms and flooding
• Fire damage, provided the fire is not the result of negligence on your part
• Water damage caused by broken water pipes
• Structural damage caused by falling trees or a lightning strike
• Theft and burglary, provided the property was locked and secure at the time of the incident.

Will house insurance cover me if my house is unoccupied?

That will depend on how long the house has been empty, as well as the restrictions specified in your particular insurance policy.

If you’ve simply gone on holiday for a week or two then you should still be covered by your house insurance while you’re away, but if the property is unoccupied for more than a month at a time you’ll need to let your house insurance provider know, and they may increase your premium a little to reflect this increased risk.

If your house is likely to be empty for a long period it might be working taking out an unoccupied house insurance policy, which is a type of insurance designed to cover the risks associated with unoccupied properties.

Does house insurance cover me against accidental damage?

No, when you’re insuring a house you’ll likely find that most building and contents insurance and contents insurance policies usually won’t include accidental damage insurance as standard.

However, it’s usually possible to add this type of cover to your house insurance policy as an optional extra, although you will usually have to pay a little more for this.