Compare Home Insurance
What Is Home Insurance?
Are you a homeowner? Congratulations. Now, the next logical step is to consider getting home insurance. This insurance provides security for the building where you live and it can also cover the possessions inside it. Stick with us and in no time, you’ll not only understand how it works, you will also be able to compare cheap home insurance quotes.
We have two types of home insurance. Buildings insurance and Content Insurance.
The former provides insurance cover for the structure of your home and any permanent fittings such as your kitchen and bathroom. On the other hand, content insurance protects your belongings within your home. It is possible to get building insurance and content insurance individually, or together; from one home insurance broker. Are you excited about the concept of getting cheap home insurance comparison? We are too!
What Does Home Insurance Cover?
Normally, home insurance protects your home and possessions against theft and damage due to fire, flood, storms, burst pipes, water leaks, etc. However, before getting cheap home and content insurance, it is advisable to check with the insurance broker to confirm if these covers are available.
What’s the Difference Between Building and Contents Insurance?
It might be difficult to differentiate between buildings insurance and content insurance. One thing to note is that building insurance covers the physical structure of a property. These include the roof, walls, ceilings, floors, doors, and windows. Fittings and permanent fixtures such as bathroom, kitchen and fitted wardrobes are also covered here. If you have outer structures, e.g. fences, garages, and sheds, these are under protection, as well as pipes, cables and drains connected to your home.
Contents insurance, however, provides security for anything that can be removed and taken with you to another property. These are possessions like clothes, furniture, refrigerator, television, etc. Like everything, there are certain exceptions. So, it’s important that you note when you compare cheap home insurance quotes from your brokers.
What Type of Home Insurance Do I Need?
There are various types of home insurance covers available for you to choose from. Check below to see where you qualify.
Normally, if you own a home and have a mortgage, building insurance is required for the length of your mortgage. However, if you have no mortgage, it is not legally required to have building insurance. Are you renting the apartment? Then do not fret. Direct your landlord here so he can get cheap home insurance quotes.
Whether you are a landlord or tenant, nobody is legally required to get content insurance. It is not compulsory, however, it is a necessity against a fire outbreak or theft. You can compare building and content insurance quotes here.