- Full cover for all high value properties.
- Listed buildings or non-standard construction covered.
- 24 Hour claims hotline with counselling support.
- Domestic Assistance Helpline with advice and contact details for tradesmen.
- Discounts for alarms and security locks.
- Discount when you take Buildings and contents cover.
- Easy payment by credit card or direct debit.
There are two types of house insurance: buildings and contents cover. Buildings insurance covers the structure of your home, so the roof, walls and windows. It also includes the permanent fixtures, such as the fitted kitchen and the bathroom suite. Buildings insurance policies vary, but they should all insure your home in case of fire, storm, flood, subsidence, burst pipes, theft and falling trees.
Most insurers offer extra cover if you need it, though you will normally have to pay an additional premium. Accidental damage is one of the most popular policy add-ons. You might also want to consider legal expenses cover.
Comparing home insurance policies
When you’re looking for the right home insurance deal you have to remember that the level and type of cover is just as important as the price. You need to compare levels of cover and check the exclusions (things you’re not insured for). This makes sure you get the features you need and you don’t pay more for unnecessary extras.
Don’t make assumptions. You might think some features of home insurance are standard (automatically included) but with some insurance companies they’ll be optional extras. For example:
- Comprehensive accidental damage cover – fewer than one in five home insurance policies automatically cover you for damage you cause yourself, by accident.
- Home emergency cover – fewer than one in five home insurance policies automatically provide help for home emergencies, and more than half don’t offer this as an option at all.
- Personal belongings cover – items taken outside the home are usually not covered as part of a standard home contents policy.
Check the excess. This is the amount of the claim that you have to pay yourself. Four out of ten of all policies have a minimum excess of £100 or more – you can ask if increasing it will reduce your premiums.