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Need a home insurance quote?  Let the independent specialists at your local Coversure compare their markets to find you quality home insurance protection. Your local Coversure office can tailor protection to your property's needs, so start your quote today

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What Is Home Insurance?

Your home is so much more than bricks and mortar, and home insurance protects your property against common risks such as fire, flood, or even destruction. It can also safeguard possessions housed in it from damage, loss, or theft through contents insurance.

What Types Of Home Insurance Are There?

There are three main types of home cover:

  • Buildings insurance – which protects the property itself
  • Contents insurance – which protects your possessions in the property
  • Combined home insurance – which gives you buildings and contents cover one policy

Who Needs Home Insurance?

While home insurance isn’t a legal requirement, owners of the following properties would be wise to have it in place:

  • Homeowners – it’s likely to be a condition of your mortgage that you have buildings insurance
  • Flat owners
  • Tenants – usually you will only need contents insurance as the buildings cover will be taken by your landlord
  • Students – if you’re in rented accommodation then you’ll want contents insurance
  • Second homeowners – though if these are left empty, you may want to consider second, or holiday home insurance

If you’d like some advice or a home insurance quote, please get in touch with your local Coversure office.  They’ll be happy to give you the help you need to keep your property protected.

What can Home Insurance cover?

Home insurance can cover your property, possessions, and more, as you can see:

  • Damage to your property and possessions – caused by fire, theft, subsidence, and flooding
  • Damage to garages and outbuildings and their contents
  • Liability protection for injuries or property damage caused by your property
  • Burglary
  • Burst pipes
  • Subsidence and foundation heave
  • Costs of alternative accommodation should you need to move out

How Much Does Home Insurance Cost?

The cost of home insurance will depend on several factors, including:

  • Type of cover – buildings, contents, or combined
  • The rebuild cost of your property
  • Where it is
  • Its age
  • Its size
  • Its construction/what it’s made from
  • The nature and value of your contents
  • If it is near a river or in a flood-risk area
  • Your claims history

How to Save Money on Home Insurance Quotes

Whether you are looking for buildings insurance, contents insurance, or a combination of the two, there are ways of cutting the cost of high-quality cover.  Some of the best ways include:

  • Reduce the risks – simple things like installing window locks, putting deadlocks on doors, and ensuring trees are trimmed so limbs won’t crash into the house can help reduce your risks and, therefore, your premiums

Also, make sure your property is as burglar-proof as possible.  Security lights, keeping fences maintained, and locking outbuildings and sheds will all deter thieves and so reduce the chances of a claim

  • Consider a higher excess – if you have a good claims history, i.e., you have a history of not making claims, then a higher excess could be a good way for you to reduce your policy costs
  • Build up your no-claims discount
  • Shop around – spend some time comparing quotes and covers.  You may be surprised by how much you could save.  Better still, get a professional to shop around for you.  An independent insurance broker, such as at your local Coversure, can do the shopping around for you.   They will also have access to policies that aren’t available to the public, meaning they could save you time and money

The best way to find out how much protection you need is to contact your local Coversure. They’ll be able to advise you as to what you need and create a package of Home cover for you.

Home Insurance FAQ

It’s essential to get home insurance right.  After all, your home is more than just bricks and mortar.  To help you get the protection you need, here are Coversure’s home insurance frequently asked questions.  We hope they will be of use, but if you’d like some personalised independent advice, talk to your local Coversure office.

If you own a property, you should have cover in place, and if you rent your home, you’d be wise to have contents cover for your possessions

No, but it may well be a condition of your mortgage agreement

That will depend on factors such as the rebuild cost of your property, where it is, its age, whether it’s close to water/on a flood plain, etc.  A great way to find out how much protection you need is to contact your local Coversure.  They’ll be able to advise you as to what you need and create a package of cover for you.

Typically, the following will not be covered:

  • Wet rot, dry rot, or frost damage
  • Damage caused over time
  • Wear and tear
  • Fences, gates, or hedges damaged by a storm
  • Claims resulting from poor workmanship, faulty design, or botched repairs

Yes, you can add on things like:

  • Legal cover in case you get into a dispute with a neighbour or tradesman
  • Personal possessions when away from home
  • Accidental damage

Getting a quote is easy; contact Coversure or start your home insurance quote today

Need a Home Insurance quote?

If you’d like a Home Insurance quote from Coversure, please contact your local Coversure office or start your quote here. Our independent brokers will search their markets to find you the right policy at the right price to keep your business protected.

Empty Property

Holiday Home

* Policy information is correct at the time of writing. Policy details, limits, and exclusions are subject to insurer’ changes. When taking out a policy, your local Coversure office will be able to advise you of the specifics of your cover.

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