Home Insurance & House Insurance

Home Insurance Quotes Online - Click Now !!

For Telephone Quotes call FREE on 0800 904 7985

Home Insurance UK

Home Insurance, unlike motor vehicle insurance, is not compulsory by law in the UK . Anyone insuring their home is doing so for their own peace of mind. House Insurance comes in various different forms which are primarily contents insurance, buildings insurance or a policy including both which are known as combined policies.

However, Home Insurance to cover your buildings is compulsory if you property is mortgaged, as your mortgage lender needs to ensure that their asset is secure. Buildings cover does just that, it provides insurance in the event that the construction of your house is damaged. It is important to remember when getting online quotes, that it is the re-build cost that most insurers require and NOT the value of your house! Buildings Insurance does also cover other “fixed” items in your home such as bathroom sanitary ware, tiling, roof slates and certain items in the garden.

Contents Insurance is there to provide cover for everything else such as your carpet, furniture, kitchen and appliances as well as valuables, frozen foods and any money you may have in the house. There are several other add ons that can be purchased with a contents policy, we will briefly cover these below.

New for Old Cover; basically provides you with a brand new replacement item in the event of say a theft from your house. This cover does cost more, but without it, you would only receive the current day value of an item stolen, which if it was a ten year old television set, isn’t going to be enough to buy a current day replacement model.

AD Cover; means that you would be covered if you dropped your tv set on the floor for example. Without this, such items would only be insured in the event of a fire or theft.

All risks cover; which is usually now covered as personal possessions away from the home, is necessary if you wish to insure things such as jewellery, golf clubs or photographic equipment whilst they are taken out of the home.

It is essential when you obtain a home contents insurance quote that you know the sum you need to be insured for. Over insuring is just going to cost you money that you don’t need to spend, whereas being under-insured is equally as bad. Insurance companies appoint independent assessors when dealing with insurance claims and part of their job is to ensure that sufficient cover was in place. If they deem that somebody was under-insured then any claim pay out will be reduced proportionately in line which the amount they were under-insured.

Important Information | Contact & About Us |

Financial Services | USA Car Insurance |