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.
Yay! You’re a landlord! You can definitely use our help to get cheap building insurance quotes to provide security for any property that you own and rent out. If you are interested in getting content insurance, we can also help you compare building and content insurance quotes online.
Holiday Home Insurance
Like regular home insurance, we also have buildings and contents insurance here. Normally, this kind of insurance is more expensive because they are often considered as a greater risk. This is attributed to the fact that they are often left unoccupied for long. Hence, many problems might go undetected, leading to considerable damage. However, this is no cause for alarm. With our cheap home insurance comparison, you will get the most affordable insurance cover for your holiday home.
How Much Is Home Insurance?
In order to find cheap home insurance at a price you can afford, make sure you use our insurance comparison service. About 50% of customers who purchased home building and content insurance here got quotes less than 140 euros.
You better join the train! Get cheap home insurance quotes now and begin to enjoy immense benefits.
Apart from helping you compare cheap home insurance quotes, we are here to provide you with tips on how to reduce the cost of home insurance premiums. You can pay lower by doing any of the following.
Be Sure You Have the Right Amount of Home Insurance
Ensure that your home insurance is based on the cost of rebuilding your home, as opposed to the market value of your home. This is because on many occasions, the cost of rebuilding is way lower than the market value. Many people do not know how to go about this calculation and that is why we help you get the right amount here. You can also start a conversation with us to be sure you’re on the right track to getting cheap home insurance quotes here.
Increase your voluntary excess
Every home insurance excess consists of a compulsory excess and a voluntary excess. The voluntary excess is the amount you offer to pay willingly. If you increase your voluntary excess, it helps to reduce your home insurance premium. We advise you to be smart and only offer to pay what you can afford in case you decide to make a claim.
Consider installing a security system
This is a no-brainer, right? You are helping your insurance broker protect your home, it is only logical that they provide you with cheap home insurance if you install an appropriate security system.
Build up a no claims discount
Finally, for people who do not make a claim on their insurance, they get a reduction the next time they renew their premium. Feeling like a guru already? Get cheap home insurance quotes here now.
*50% of customers who purchased Home Building & Contents Insurance through this service provided by Seopa were quoted less than £140 (Feb ’16 Sales).
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