Home insurance

Home insurance is a form of property insurance that covers private households. The policy combines multiple protections, which can include the loss of its contents, loss of its use (for example additional living costs), loss of other possessions, and liability insurance in case of any accidents which occur inside the home.

Everyone is at risk of bad things occurring; therefore we need to be able to protect ourselves in the event that they do. It is definitely worth spending money on, as if an incident did happen and the property was not covered by insurance, it could be far more expensive for the homeowner to fix. Examples include flood or storm damage, fires, and burglary, to name a few. Shocking figures suggest that in the UK, 1 out of 3 of us will be burgled at some point in our lives, and only 25% of houses are not protected by any type of home insurance. Mortgage lenders will ask that you have buildings insurance in order to borrow from them. They also request information such as any flood risks the property may have.

Some of the major providers of home insurance within the UK include Aviva, Direct Line, Halifax, Barclays, Prudential, Tesco, Saga, Co-operative, Churchill, HSBC, Marks & Spencer, Debenhams, Post Office, Privilege, More Th>n, Norwich Union, Prestige, AA, Virgin, Zurich, Sainsbury’s Bank, Hiscox, Direct Choice, Endsleigh, eHome, esure, Homeprotect, Key Connect, Sheilas’ Wheels, American Express, Budget, QuoteLine Direct, Screentrade, Supermarket Insurance, Yorkshire Building Society, Wiser Choice, 1st Quote, and Legal and General. There are various others also available to choose from, and comparison websites can be useful in comparing prices and policies to find out which is the best for you and your household.

Some promises that Direct Line make are that if you move house they can cover your belongings whilst they are being transported, but only when you use a professional removal company. They are able to pay for any alternative accommodation in the event that your home can not be lived in because of an insured cause stated in the policy document. £25 is paid towards your existing home insurance provider’s cancellation fees when switching to them. Direct Line also offer a 10% discount upon renewal if no claims have been made during the time of the policy in the first term. Content is also covered for children at University up to 10% of the total sum which is insured. Garden contents are covered up to £1000, and plants no more than £250. Policies can be tailored by selecting to add extra levels of cover for example for personal possessions, accidental damage or family legal protection.

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