Home Insurance

Home insurance or house insurance is designed to look after your home / property and contents against a variety of unexpected events. If your home is targeted by thieves, suffers damage by natural calamities (such as flooding or fire), the insurance plan can cover your expenses to repair the damage.You can also ensure that the contents of your home are covered against accidental damage or theft. Use the chart below to compare the main advantages and disadvantages of each home insurance plan. Does the provider refuse to ensure houses over a certain age? How much does the premium cost? Take your time to compare the best options for you. Please make sure that you read the terms and conditions of any home insurance thoroughly.

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Home insurance is essential to ensure that your most valuable asset is protected

There are lots of elements which will affect the cost of your home insurance

What type of house you live in and where you live will affect how much you will pay for the insurance. If you are in an area that at more of a risk of something happening you should expect to pay for the insurance. For example if you live somewhere where earthquakes or hurricanes are regular threats there is more of a chance of damage happening to your home and so it is likely to premiums will be higher. The exact cost of the insurance will depend on the type of cover that you buy and which insurer you decide on. You should be able to find policies that suit a variety of budgets.

There are ways of making your policy cheaper

One way you can keep your premiums down is o improve your home security and install quality locks, alarm systems and timed lighting. This reduces the risk of you being a victim of theft and so reduces the amount you will by. You should also make sure you have good safety features such as smoke alarms. You can invest in insulation which reduces the chance of pipes and tanks freezing will help lower premiums. Also if you agree to pay a higher excess towards any claim you can keep premiums lower.

Home insurance varies so make sure you know what you are purchasing

Homes insurance comes in a number of different forms. You can get cover for any physical damage to your home cause by events like fire, smoke, natural disasters, vandalism, burglary, burst pipes, flooding and explosions. It will also cover you for personal liability for any injuries. You can get insurance for all of your belongings in your home such as furniture, bikes, electrical goods and valuable items. This protects you against any theft or damage to these items. You can also get legal liability that protects you if anyone has an accident in your home. Many insurance companies will also offer a wide range of additional cover options. For example you can cover for items taken outside of the home.

Home insurance is very important if you are looking to protect your home

Your home is probably your most valuable asset. With this in mind it is important that you make sure it is protected. Without home insurance you could face financial ruin trying to pay for repairs and replacements. Imagine if your house burned down and you didnít have the insurance. You may not be able to pay for the repairs but will still have to pay the mortgage. Home insurance is essential. A good policy will save you money in the event that something happens to your home or belongings. Although having home insurance is not required by law. Many mortgage lenders require that you have insurance in order to borrow money from them. Some tenantsí associations also require you to have home insurance.

Shop around to find the best home insurance policy

As home insurance is such a necessity there are many companies vying for your business. Coverage will differ between home insurers so it is vital to check your policy documents. You need to find a policy that can be tailored to your needs if the basic policy isnít enough but be realistic, and only take out the amount of cover that you need. However, cutting back on the amount you take out could mean that should the worst happen and you need to make a claim, you are not covered. This is why the cheapest insurance is not necessarily the best. Therefore, you need to find a happy medium and read through the policy thoroughly to see what is and what isnít covered. To ensure you choose the best insurance policy at the most affordable price, be sure to compare policies from many different providers. Use the table above to compare home insurance policies.

Home Insurance - Latest News News and Charts

Things to consider when looking at which home insurance policy is suitable for you

18 February 2014
Which Way To Pay

Ensure you consider your options carefully before you take out a home insurance policy. Each policy will have terms and conditions which you must familiarise yourself with in case you need to make a claim.


Why does one need home insurance?

19 June 2013
Mark Maffia

Home insurance protects basically everything you have! Nobody can see into the future, and should anything happen which results in the loss of, or damage to your property, a house-and-home contents insurance will not protect you against the loss of sentimental value Ė but it does protect you against financial damage if anything happens


Do I need home insurance?

31 January 2013
Which Way To Pay

Everybody who ever had the misfortune of fire, flooding or burglary in one's own home knows well how painful the experience can be, to lose part of or even everything one owns. The trauma of such an event is unimaginable


Pros And Cons Of Travel Insurance

27 June 2012 21:30
Phoebe Robinson

Many people would never even think about leaving home to go on holiday without travel insurance, whilst others donít really think about it and take the risk. When making the decision it is important to know the pros and the cons.


Is Your Home Insured?

27 April 2012 17:30
Crage Campbell

Your home is probably the most valuable thing you own and making sure is safe and secure should be at the top of every homeowners list, after all itís where we eat, sleep, raise our families and come to relax at the end of a hard day at work.