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.
Do 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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