*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (December 23). 51% of home insurance customers could save £196.93 on a combined policy when using Quidco Compare home insurance.
1Correct as of December 2023
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First and foremost, you’ll need to tell us (roughly) the date your home was built, the date you bought your home and the date you moved in.
You’ll need a rough cost of the possessions inside your home.
You will likely need to provide the type of locks on your doors that face outside. And the types of alarms you have fitted.
You can find details of any previous claims in your renewal documents. Don’t have these to hand? Simply contact your previous insurer and they’ll provide them.
As it sounds, this is the estimated cost to rebuild your property if it were damaged beyond repair. The cost includes the price of materials and labour.
We’ll need to know what materials your roof is built out of.
Home insurance is made up of two types: buildings insurance and contents insurance. You might need one or the other, or you might need both. Here’s how it works:
Buildings insurance covers the actual building of your property. So structural elements like your roof, walls, floors, along with permanent fittings, such as your kitchen and bathroom. Buildings insurance covers you for things like floods, fires, vandalism, burst pipes, water damage… stuff that damages the actual building. Buildings insurance is often required under a mortgage contract.
It’s best to take out both insurances when you own your home and you keep your things in it. In this situation you’ll want to be covered for both your building and the contents inside it, as you’re ultimately responsible for all of it.
The same goes for if you have a holiday home, where you don’t live all year round. You’re still responsible for it if you own it.
If you own a property, but don’t have much of your own contents inside it, then just having buildings insurance could be for you.
This could be the case if you’re a landlord. You’re responsible for the building you own and lease. Your tenants are responsible for their contents. If you lease a furnished property, then you can cover your contents with landlord insurance.
If you live in a property but don’t own it, then you may want to get contents insurance. This will be the case if you’re renting.
Your landlord will be responsible for the actual building you’re living in, but you will be responsible for your own belongings in the case of them being damaged or stolen.
By comparing insurance quotes through Compare, you could find a great deal and earn £34 cashback.
Some home insurers take into account the security of your home when deciding prices. Most providers need a minimum level of security before they insure your home at all.
Improve your home security by installing deadlocks on your external doors and locks on accessible windows. Getting a burglar alarm may also help make your insurance cheaper.
Many people pay for their home insurance in monthly instalments. Although this will spread the cost out, it’s usually more expensive in the long run.
Not everyone can afford paying for a year’s worth of home insurance on go, though. You could consider taking out a zero interest loan and paying it with that. Paying back the loan could be cheaper than paying home insurance monthly.
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Home insurance is made up of buildings insurance and contents insurance, so you’ll pay different prices depending on whether you pay for both of them or just one or the other.