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Home insurance is made up of buildings insurance and contents insurance, which can be bought separately or together from the same provider.

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What is home insurance?
Home insurance is made up of buildings insurance and contents insurance, which can be bought separately or together from the same provider.

Buildings insurance covers the structure of your home as well as any permanent fixtures and fittings, such as your fitted kitchen and bathroom.

Contents insurance protects your belongings within your home.

Getting started with our home insurance quotes

What’s the difference between buildings and contents insurance?

Buildings insurance covers the physical structure of your property, which includes the roof, walls and floors, while contents insurance covers the items inside it, such as your furniture and clothes.

Buildings insurance also includes any permanent fixtures and fittings, such as your kitchen and fitted wardrobes. Outside structures, like fences, garages and sheds are usually covered too, as are pipes, cables and drains connected to your home (provided they’re your legal responsibility).

Contents insurance covers anything within your home that you can remove and take with you to another property, so your clothes, furniture, fridge and television (carpets are also usually included). Just be aware that there are some exceptions to this rule, so always check what’s included within the definition of ‘contents’ in your policy booklet.

Do you need home insurance?

It is not a legal requirement to have a home insurance policy, but if you have a mortgage your lender will insist you have buildings cover to protect their investment.

However, you may not need buildings insurance if:

  • You rent your property, because it is the responsibility of your landlord to arrange cover
  • You live in a flat, because it is the responsibility of the management company to arrange cover

If your home is destroyed by fire, for example, without home insurance you would need to cover the cost of a new home and belongings yourself, so it is worth having.

Ways to reduce home and contents insurance costs

There are a number of ways to reduce the cost of your home contents insurance – here are our top five:

  • Try not to make a claim on your home insurance unless you’re really left with no alternative – the fewer claims you make, the lower your premium should be
  • Make your home more secure by fitting good quality locks to all accessible doors and windows, and consider fitting a burglar alarm
  • Fit and regularly test a smoke alarm
  • Increase the excess – the higher the voluntary excess, the lower your home insurance premium should be
  • Insurers tend to offer cheaper home insurance premiums if your house is occupied – if you go on holiday for more than 28 days at a time and leave the property unoccupied, they could charge you extra

For more ideas on how to reduce your home insurance costs, read our home insurance guides .

House and contents insurance comparison websites

Home insurance comparison sites will help you compare home insurance rates from a range of providers.

Along the way you may also get some home insurance offers and low cost home insurance options that are exclusive to to each comparison site, but it’s wise to make sure guidance is impartial and has your best interests in mind.

Bad service and poor cover can make the home insurance cost sting, even if you got a ‘great deal’.

How to Save Money on Home Insurance Today

Read through all of our top money saving tips today. Everybody wants to save money on home insurance and our fantastic tricks and tips section could be ideal for you. Remember finding a cheap home insurance quote shouldn’t be too difficult, if you follow some of these useful ideas.

No Claims Discount – While this may not help with a new policy it’s certainly something to think about for the future. If you don’t make a claim on your policy agreement you can easily build up a no claims discount with each passing year. This means when it’s time for renewal you should see a decent discount on your insurance amount.

Home Security – Theft and break-ins can be a common problem in the UK. Generally most insurance providers will look at the level of security your home currently has. They will use this information to calculate the correct premium price for your situation. Usually they will look at things such as security lighting, windows opened by keys, locks on all external doors, burglar alarms, CCTV and so on. For some people it can be a good idea to install extra security features before they start looking for insurance policies. This can help to keep prices lower, however it’s important to remember that any savings you may make, might not cover the installation and price of the security features you add to your home. As all insurance policies are calculated based on unique circumstances, it’s up to you, to decide if adding more security is worth it or not for your needs.

Maintenance – It can be a good idea to keep ‘on top’ and maintain your property when an issue occurs. This can range from fixing a broken roof tile, guttering, burst pipes and so on. By attempting to avoid unwanted incidents you should see a decrease in your premiums, as you’re unlikely to make a claim compared to a property, which is in a state of disrepair.

Pay Annually – If your budget allows, paying for house insurance annually can see a decent saving across the policy duration. Typically most people pay on a monthly basis and there’s nothing wrong in doing that. However if you can afford too, by paying in one go you should generally see a ‘discount’ of a month or two’s worth being taken off your policy amount. If you don’t have the funds available at the bank today, some people use a 0% credit card to pay the annual amount in one go. The idea is to pay the credit card debt off each month; in the similar way you would make a monthly payment. However it’s important to remember that you need to ‘clear’ the debt of the card before the interest free period ends, otherwise you may end up paying more in the long run if interest is added.

Compare Quotes – It goes without saying the best way to obtain cheap home insurance quotes is to shop around. You should use every possible avenue available to you. This includes price comparison websites, individual company websites, phoning companies up and so on. The more quotes you have the better idea of what level of cover you want to purchase. Remember to only cover what you need, as you could end up with higher premiums for things you might not even use!

Insurance Brokers – This is often an overlooked way of obtaining the right type of cover for you needs. Brokers will typically compare a wide range of different insurers on your behalf. Generally this method can be ideal for people who have a unique home or set of circumstances. However, it’s important to remember that the brokers will only be able to get quotes from the insurance companies they deal with. This means they are limited to some degree, but in the right situation can certainly offer an alternative to mainstream providers.

Can I take out a joint home insurance policy?

Yes, if you live with another person you can take out a policy together. This means you can both claim and it can sometimes get you a cheaper premium.

Will I be covered against accidental damage?

Some policies cover accidental damage as standard for certain items, but others only offer it as an added extra.

How do I make a home insurance claim?

You will need to call your insurer’s claims number and tell them what has happened. Here is how to claim on your home insurance policy.

Will I have to pay anything if I claim?

Yes, you will need to pay an excess, which will be shown in your policy. Here is more on paying an excess, and how much it could cost.

How can I pay for my home insurance?

You can pay in one up front annual payment, or spread it over the term of the policy in monthly instalments, but this method could cost more overall.

Who do we include in this comparison?

We include unsecured loans you can get in the UK from our panel. Like other comparison sites, we make money when you click through to a product or service, or go on to purchase it after visiting our site. If you use one of our broker services, we make commission after you buy a product, but it doesn’t cost you anything extra. Our comparisons are free for you to use and you get the same or a better deal than going direct.



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