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Guide to Home Insurance


What is home insurance?

There are two things that home insurance is designed to protect. The structure of your home, the buildings and its contents. You can either have separate cover for each or combine both into one policy.

Buildings cover extends to the walls, windows, roof etc and also covers permanent fixtures and fittings such as baths, toilets and fitted kitchens. A simple way to know which is which is to imagine you tipped your house upside down and shook it, what falls out would generally be considered as the contents.

Why do I need it?

Home insurance covers your property against the things in life you can’t control. This could be the weather, someone trying to break in or even one of the kids kicking their ball through a window, you might find the cost of the damage caused impossible to pay for.

With the right home insurance cover in place, the cost of these and many more of life's unexpected events can be taken care of. You’ll find if you have a mortgage, the lender will want to make sure that should the house fall down, his investment is protected. You’ll need somewhere to live and you’ll still have to pay them back so it makes sense to be covered and have it rebuilt.

How does it work?

The price and quality of cover under home insurance policies varies hugely and the old adage ‘if it looks too good to be true, then it usually is’ can be quite true for many policies you may come across.

We make sure the things that mean a lot are properly covered because we ask you what they are before we search for the right price and cover combination that meets your needs. We’ll also make sure that there are no hidden costs or unexpected excesses to pay when you come to make a claim.

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