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Home insurance is a policy that protects your property against damage or loss from things like natural disasters, fires, theft, and vandalism. As always, it’s important to know what’s covered under your policy before you buy it—you don’t want to later find out something key was excluded!

In addition to Home Insurance, there is contents insurance. Contents Insurance covers your personal and household possessions from areas such as loss, theft or damage. Items that can be covered under Contents Insurance are items like: Jewellery, Clothes, Furniture and Electrical items. You should look to itemize your household contents and ensure you provide accurate pricing of your possessions to your insurer.


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TYPES OF HOME INSURANCE

Buildings Insurance

Buildings insurance covers the costs associated to the physical structure of your property, this includes: bricks and mortar, the roof, the walls and any permanent fittings/fixtures (from your windows to your kitchen units). Homeowners and landlords alike will require Buildings Insurance.

Contents Insurance

Contents Insurance covers the possessions within your home. This could include things such as electrical goods, furniture, clothes and carpets. You can also cover high value items individually such as jewellery, laptops and bikes.

Combined Home Insurance

Combined home insurance offers both buildings and contents within one policy from the same insurer. Combined home insurance normally works out cheaper than taking out individual policies for each. As always compare quotes to ensure you get the cover you require at the best price.


WHO NEEDS HOME INSURANCE?


Homeowners

Whether you own your home or have a current mortgage, you are responsible for both the structure of your property and any belongings or fixtures you have within the property.

Renters

If you are a tenant renting a home, you will only be responsible for your personal belongings and protecting those items. The property itself is the responsibility of your landlord or landlady.

Holiday Homeowners

If you own a holiday home you will most likely require specialist home insurance. This is due to the fact the property are normally left empty for long periods of time.

Students

If you are living in student accommodation or halls of residence, you may wish to protect the contents of your student home for items like laptops and other valuable electronics. Sometimes you may be covered by a parent/guardian’s home insurance policy, but you should always check first.

Landlord / Landlady

As a landlord/landlady you are responsible for insuring the property you own and rent out. If you let out a furnished property, you also have the option to protect your furnishings and items against damage or theft through a landlord policy.




WHAT DOES HOME INSURANCE COVER?


What is covered?

– Flooding & Storm damage
– Fire damage
– Subsidence
– Burst Pipes
– Vandalism and theft

 What isn’t normally covered?

– Damage caused by personal negligence
– Wear & Tear
– Routine Maintenance
– Pest Infestations
– Unoccupied Properties


HOW CAN I GET CHEAPER HOME INSURANCE?

 Pay Annually

Paying your insurance upfront (annually) will usually get you a better price. Opting to pay monthly instalments will usually entail you being charged interest on top of your premium making it more expensive.

Improve Home Security

By opting to further home security with locks across your windows and doors, as well as installing a burglar alarm and of course smoke alarms, you can often make your home insurance cheaper.

Increase Excess Payment

By raising your excess or the amount you pay towards a potential claim,  you will often pay a lower yearly premium. Make sure you can afford the extra excess cost that could be required upon a claim.

 Combine Policies

Combined home insurance often works out much cheaper than taking out individual policies for each. As always, you should compare quotes to ensure you get the cover you require, at the best price.

 Building No Claims Discount

One of the main factors to saving money on your home insurance comes from building no claims discount. Essentially the longer you can go without claiming, the more you can save on premiums. You can also as with Car Insurance, carry over no claims from provider to provider.

 Shop Around

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FAQS

Home Insurance isn’t required by law, it is however useful to have the security in case an unexpected situation arises. When applying for a mortgage, your lender will normally insist that you take out a buildings insurance policy for your mortgage term. Your mortgage provider may have a partner they work with, but you can of course shop around, and use price comparison websites such as SavingSuperStore.

Like most insurance related products, your provider will carry out a soft credit check on you before they offering you a final quote.

If you are renting a property, you will only require a “renters insurance policy” – this will cover your personal items. Your Landlord/Landlady should have buildings cover in place. They should also have contents policy if the property comes furnished, but this will only apply to items they have supplied for the property.

Your credit score may affect the price you pay for home insurance. Providers will look to see how much risk is associated and price your policy accordingly.

This will depend on your property. You will need buildings insurance to cover the cost to rebuild your property entirely if it were to be destroyed.

For contents insurance you will need to work out the total value of the contents within your home, and the costs associated with replacing every item you own.

Home insurance will normally cover an unoccupied property for up to 60 days.

We have a calculator to help you work out the rebuild cost when you get a quote with us. Your home insurance needs to cover the cost of rebuilding your home, not its market value.

Calculating the rebuild cost of your home is a necessary part of getting a home insurance quote. The rebuild cost is the amount of money required to reconstruct your home from the foundations up, if for example your property was damaged or destroyed in a fire or flood. A chartered surveyor can help you calculate the cost, or alternatively you could search for a rebuild calculator online.

Working out the costs to rebuild your home is a requirement of obtaining a home insurance quote. The costs of a rebuild are based around the money required to build your home from the foundations and up. You could obtain this by speaking to a chartered surveyor or use an online rebuild calculator.




SavingSuperStore are an Introducer Appointed Representative of Seopa Ltd, who are authorised and regulated by the Financial Conduct Authority (FCA) under FRN: 313860. Quotezone.co.uk is a trading style of Seopa Ltd who are a limited company registered in Northern Ireland, Registered number: NI46322.

*51% of consumers could save up to £146.11 on their Home Insurance (Building &
Contents). The saving was calculated by comparing the cheapest price found with the
average of the next six cheapest prices quoted by insurance providers on Seopa Ltd’s
insurance comparison website. This is based on representative cost savings from March
2022. The savings you could achieve are dependent on your individual circumstances.