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For most people, their home is their most valuable asset. It’s more than just bricks and mortar; it’s a place of sanctuary, filled with cherished memories and personal belongings. That’s why protecting it is so important. Home insurance provides a vital safety net, offering financial protection against unforeseen events that could otherwise be devastating.
As an insurance comparison site, we understand that navigating the world of home insurance can be daunting. With so many policies and providers to choose from, it’s easy to feel overwhelmed. This guide is here to demystify home insurance, helping you understand what it is, what it covers, and how to find the right policy for your needs and budget.
In simple terms, home insurance is a type of property insurance that protects your home and its contents from damage or loss. It’s a contract between you and an insurance provider, where you pay a regular premium in exchange for the peace of mind that comes with knowing you’re covered if something goes wrong.
There are two main types of home insurance:
You can purchase these policies separately or as a combined package, which is often more convenient and cost-effective.
Buildings insurance is designed to cover the cost of repairing or rebuilding your home if it’s damaged or destroyed. It protects the structure of your property, including:
If you own your home, especially if you have a mortgage, your lender will almost certainly require you to have buildings insurance. If you’re a landlord, it’s your responsibility to have buildings insurance for the property you’re renting out.
Contents insurance covers the cost of replacing or repairing your personal possessions if they’re stolen, damaged, or destroyed. A good way to think about what’s covered is to imagine turning your home upside down – anything that would fall out is considered contents. This includes:
Whether you’re a homeowner or a tenant, contents insurance is essential for protecting your belongings. Your landlord’s insurance won’t cover your personal items, so it’s up to you to arrange your own cover.
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Most home insurance policies will cover you for a range of events, often referred to as ‘perils’. These typically include:
Some policies also include alternative accommodation cover, which will pay for you to stay elsewhere if your home is uninhabitable while it’s being repaired.
It’s just as important to understand what’s not covered by a standard home insurance policy. Common exclusions include:
When it comes to securing your home, the quality of your locks is paramount. Insurers are increasingly recognising the importance of high-security locks, and having them installed can not only make your home safer but also potentially reduce your home insurance premiums.
One of the leading names in home security is Ultion. Ultion locks are renowned for their exceptional strength and innovative security features. They are designed to withstand common burglary techniques, including:
In addition to the locks themselves, Ultion keys offer an extra layer of security. Each key is precision-engineered and comes with a unique key code. This means that new keys can only be cut with your permission, preventing unauthorised copies from being made.
By installing Ultion locks, you’re sending a clear message to potential burglars that your home is not an easy target. This increased security can be a significant factor for insurance providers when they calculate your premium. A more secure home is a lower-risk home, which can translate into cheaper home insurance.
Finding the right home insurance policy at the best price requires a little research. Here are some tips to help you compare quotes and find the best deal:
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*51% of consumers could save £209.33 on their Home Building & Contents Insurance. The saving was calculated by comparing the cheapest price found with the average of the next fourteen cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from December 2024. The savings you could achieve are dependent on your individual circumstances.
