Home Insurance

It certainly pays to shop around for the best home insurance deals and the internet makes this easy. Use the quote finder above to a get a list of insurers and comparison websites where you can get home insurance quotes from a number of insurers online.

There are two types of home insurance policies. Home contents insurance covers the cost of replacing possessions lost or damaged due to unforeseen events. Home buildings insurance covers the cost of repairing or rebuilding your home if it is damaged by unforseen events.

Both policies cover you against a stated list of potential hazards such as fire, subsidence, theft, flood and bad weather.  In addition there will be liability section.  As a householder, if you are careless or negligent, and injury or damage results to someone else or their property - then you could be held "legally liable" for the cost of this. Contents and buildings policies protect you against this risk. The buildings policy covers you as owner of your home while the contents policy covers you as its occupier.

You do not have to insure your building and contents with the same company, so it's always worth shopping around to see who offers the cheapest deals. However, using the same company may speed up any claims you make if you suffer damage to both your home and its contents. In addition you may find companies offer a small discount if you insure both buildings and contents with them.

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