Home Insurance

Home Insurance

What Does Home Insurance Cover?

Buildings

Buildings insurance offers protection for the permanent fixtures in your home such as the roof, walls, floors, bathroom fittings and ceilings. Garages, sheds and fences also tend to be covered. Buildings insurance is not a legal requirement but most mortgage lenders will insist the cover is in place to protect the property.

Contents

Meanwhile, contents insurance is designed to protect your belongings. As a general rule, your contents are the things that could be taken with you if you moved house. Typically this includes things such as your furniture, your TV and other home gadgets, any electrical items, your kitchenware, clothes and jewellery, and any soft furnishings such as curtains and cushions.

What type of home insurance policy is right for me?

There’s no real one-size-fits-all and the type of cover you’ll need will depend on your own living situation.

If you own your home and have a mortgage, buildings insurance is usually compulsory as your lender will typically insist that you’re covered to protect its investment. A good buildings policy should cover the full repair and/or rebuild of your home should the worst happen.

If you’re a homeowner you may also wish to get contents cover to protect your belongings, meaning a combined buildings and contents policy could be right for you.

Meanwhile, if you rent your home you’ll likely only need contents cover as your landlord should have protection in place for any damage to the building itself.

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GET A QUOTE

What do I need to get a quote?

Getting a home insurance quote is quick and easy, but having the following at hand could help speed things up.

Details about your home

You’ll need to provide the build date of your home, along with the date you moved in or bought the property.

The rebuild cost of your property

We’ll automatically estimate the value of your home, or alternatively you can use our rebuild cost calculator to enter your own cost. Another option is to hire a chartered surveyor to carry out an assessment.

Lock types and alarms

Most insurers need to know the type of locks you have on your external facing doors. If you’re unsure, we provide pictures to help you find which locks you have fitted.

The value of your personal belongings

Use our contents calculator to estimate the value of your personal belongings.

Details of any previous claims

This will be stated in your home insurance renewal documents. If you don’t have these to hand, you can contact your previous insurance provider.

Details of your roof type

Which materials are used on your roof, such as asphalt, tile, slate or thatched.

Multiple Insurance Carriers

We work with multiple preferred carriers so you receive premium protection at the best possible price.

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