UK Insurance Home Cover
Save £££'s online with these home insurance policies.
Low prices with great value insurance.
Flexible, comprehensive home insurance.
CCJ's, bankruptcy or offenders acceptable.
Cover available for vacant property.
Non standard construction insurance available.
About Home Insurance.
Millions of UK households expose themselves to severe significant losses in the event of damage or destruction of their home, its contents, and claims from third parties.
Millions of people are uninsured or have inadequate cover. Around a quarter of UK households are not protected by any form of household insurance. More than 1 in 3 of us will get burgled at some point in our lives.
Add to this the increased incidence of storms and floods, and you can see why not having adequate insurance is a risky business.
Not only that, but if you have a mortgage on your home, then under the terms of your mortgage contract with your provider, you will usually be obliged to make sure you have adequate buildings insurance in place in order to protect both your interests.
This cover protects the structure of the building and any fixtures and fittings Ė so, the walls, roof, doors and windows, plus fixed items such as kitchens and built in wardrobes.
Home contents insurance covers all the items within the property such as furnishings, personal items, TVs etc. Basically, if you turned your home upside down and shook it, all the stuff that fell out would typically be classed as contents and all those things that donít fall out are generally classed as part of the buildings.
Additional elements of protection
Alongside the basic buildings and contents cover, there are a number of additional cover options that may be available to enhance your protection. The type of policy you are buying will dictate what additional options are available.
These could include subsidence insurance (not all policies include this as standard which may not be an issue for you if you are not in a high risk area), accidental damage to fixtures and fittings, freezer cover and more....