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Home Insurance

Home Insurance Quotes, Affordable Home Insurance Directory

UK insurance directory listing affordable home insurance companies, under multiple keywords, search our website for insurance brokers and insurance companies

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Home insurance


Home insurance is a critical insurance that we cannot do without. Also, sometimes referred to as house or buildings or household or condo or property insurance. If you have a mortgage, the mortgage provider normally insures the home as part of the mortgage package. Generally, home insurance policies and cover is available to all home owners. If you are over fifty, savings of up to twenty five percent are offered online. You can obtain an instant quote as well online and find out how much you can save from house insurance comparison websites. There are some insurance providers who will give you up to six months free cover and this enables you to drive down the cost of home insurance cover. Landlords insurance is available for single or multiple buildings at generous discounts from various insurance companies.


Some insurance agents and insurance providers are offering twenty percent off your house insurance quotes when you first take up the insurance and then rising to a fifty percent discount, if you haven’t claimed within five years of taking up your insurance policy. Flexible insurance coverage is available and you only need to pay for the cover that you need. You can also combine house insurance with contents insurance and may be save even more money by obtaining competitive combined house insurance quotes. There are insurance agents who will provide twelve months of cover for the price of nine months, with further discounts if you shop online for your insurance. You can also obtain holiday home insurance and second home insurance, whether the property is in the United Kingdom or abroad mainly in Europe.


Home insurance is very important as the value your property can be quite substantial compared to your monthly or annual income. This requires the mortgage provider to insist on the owner taking up home insurance to protect the outstanding mortgage. Your home is your greatest investment and home insurance gives you protection in the case of fire or other damage which may occur to it. Such insurance will protect your financial liabilities.


Home insurance protects the home owner against:
• Damage to the structure
• Damage to external fences
• Damage due to adverse weather
• Damage due to fire
• Damage due to theft


Note must be taken of any exclusions or restriction to your insurance policy by reading and understanding the policy terms and conditions. Separate insurance cover may be needed in the case of your home being in a flood risk zone or being in an earthquake area. If in doubt phone your insurance broker or insurance company earlier rather then later. Wear and tear of the structure and its maintenance are normally excluded from home insurance policies. It is therefore up to the home owner to make sure that your home is maintained to a high standard in order not to invalidate your claim.


The mortgage company may insist that you take a mortgage with them, but you can purchase your home insurance from another insurance provider. It is not compulsory that you take up home insurance with your mortgage company. This gives you great flexibility in comparing the market for the best deal and insurance features. If you go online, you will be able to obtain multiple home insurance quotes and compare these insurance policies.


Some homes have external out buildings within the property boundaries such as garages, sheds and greenhouses. These will normally be covered by the home insurance policy.
If your property is damaged and you are required to live in a hotel, the insurance policy may pay for your hotel costs, catering costs and similar expenditure.


Also, if an accident occurs on your premises or home, the insurance company will have given liability protection as part of your insurance policy. This will ensure that if anyone is hurt on your premises, the insurance company will have insured a personal injury risk and could take care of the medical costs.


Benefits of home insurance:
• Protects against natural disasters
• Protects against man-made unnatural events


What about combine buildings and contents insurance? House and contents insurance can be taken up separately or combined with home insurance covering:
• Electrical equipment
• Furniture
• Jewellery
• Money
• Clothing
• Bicycles
• Mobile phones
• Music players
• Freezer contents
• And lots more.


Inform the insurance company if are conducting any business ventures from home.

Home cover has three main insurance options. The first option is standard accidental damage, the second is extended accidental damage and the most comprehensive is normally termed cover plus or similar.

Cover plus for instance can include for buildings and contents cover in one policy, single item cover to an upper maximum limit, new for old replacement assuming repairs cannot be carried out, limited accidental damage cover for normal electrical goods and full protection for accidental damage within the limits of your home. You can have your no claims bonus protected as well.

Extended accidental damage option may provide cover for buildings and contents cover in one policy, single item cover to an upper maximum limit, new for old replacement assuming repairs cannot be carried out, limited accidental damage cover for normal electrical goods and full protection for accidental damage within the limits of your home.
Standard accidental damage option may provide cover for buildings and contents cover in one policy, single item cover to a upper maximum limit, new for old replacement assuming repairs cannot be carried out and limited accidental damage cover for normal electrical goods.

Choose the most appropriate cover for your home and contents which suits your circumstances. Read carefully the policy documents as each insurable item has a limit of cover and there are exclusions to consider.

 Note

The opinions expressed in this article are those of the individual writers and are not representative of Insurur.co.uk.


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