*51% of consumers could achieve this saving with Quidco, in partnership with MoneySuperMarket. Based on Online independent research by Consumer Intelligence during 01 May 2024 to 31 July 2024
1Correct as of August 2024
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What details do I need to get a home insurance quote?
Details of your home
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.
The value of your belongings
You’ll need a rough cost of the possessions inside your home.
Security of 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.
Any previous claims
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.
Your property rebuild costs
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.
Details of your roof
We’ll need to know what materials your roof is built out of.
Types of home insurance
Contents insurance
Buildings insurance
Flat insurance
Flood insurance
Landlord insurance
Contents insurance
Buildings insurance
Flat insurance
Flood insurance
Landlord insurance
What home insurance do I need?
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:
What’s the difference between buildings and contents insurance?
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.
Contents insurance covers the things inside of your building. These things usually include tech, jewellery, furniture, and clothes. With this kind of policy, you’re covered for damage and theft.
When to get both buildings and contents insurance
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.
When to just get buildings insurance
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.
When to just get contents 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.
How do I get cheap home insurance?
Compare and get cashback
By comparing insurance quotes through Compare, you could find a great deal and earn £34 cashback.
Improve your home security
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.
Pay annually (if you can)
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.
Related guides
How to get a cheap home insurance quote
Insuring your home doesn't have to cost a fortune. Discover our top tips on how to get a cheap home insurance quote. Read now
Contents insurance for renters explained
Do you need contents insurance if you're a tenant renting a property? This guide explains everything you need to know. Read now
How to protect your home against accidental damage
Find out more about accidental damage cover and how to protect your home against accidents in this guide. Read now
FAQs
Why do I need home insurance?
Unlike some insurances, such as car, home insurance is not a legal requirement. But it is a good idea to have, especially if you own your property. What’s more, if you’ve taken out a mortgage on your home, your lender may require you to have at least buildings insurance.
After all, a home is an expensive investment. We can try to keep it as safe as possible, but the risk of fires, floods and burglaries can do irreparable damage to the financial and sentimental value of your home if it’s not insured. And if it is damaged you may not be able to afford the repairs yourself.
What is an excess?
This is how much you agree to pay along with each claim. Increasing your excess can make your home insurance cheaper. Don’t go too wild when it comes to increasing your excess, though. You need to be able to afford your excess if you make a claim.
What does home insurance not cover?
While buildings insurance covers you for issues such as flooding, fires, and vandalism, it doesn’t usually cover you for wear-and-tear related damage, or acts of war or terrorism. Plus, if your home is unoccupied for more than 30 days in a year, your cover could be invalidated.
We recommend that you read your home insurance policy documents to see if there are any exclusions.
How much is home insurance?
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.