Find the Best Home Insurance
comparethemarket.com wants to help you find the best home insurance quote that protects everything you need, from building insurance to home contents insurance. The cheapest quote may not always be the best, additional cover like home emergency cover and accidental damage could be a worthwhile addition to your home insurance as you will have more protection and reduce the risk of not being able to claim.
Homeowners need to be confident that their home insurance cover extends to every type of home emergency, from flood protection and fire to financial support in case of storm damage. Indeed, recent research from the Association of British Insurers (ABI) suggests that a cheap household insurance quote must not overlook the rising importance of issues such as flood defense cover.
The ABI estimates that 2006 saw 570,000 homes at risk of flood damage, which may not be covered by all building insurance and home contents insurance policies, compared to 220,000 homes in 2002.
As well as cover against risks such as fire, theft and flood, some policies incorporate a number of special features as standard or as optional extras.
These include:
- personal possessions/all risks for items you take out of the home e.g. sports equipment
- accidental damage
- personal money and credit cards
- legal expenses
Here at comparethemarket.com we appreciate how difficult buying your home insurance policy can be. Listed below are some more common exclusions which could be applicable to your policy:
- Your fences and gates are not typically covered against flooding and storm damage
- Any electronic damages or failures that are caused by software or viruses are not usually covered
- Any loss or damage in connection with terrorism is not normally covered
Not every insurer is the same and there may be more or less exclusions applicable to your policy, it is important to read your terms and conditions to make sure your home insurance policy covers you for everything that you need.
As well as the above exclusions there are also a number of circumstances that could effect a claim not being paid out, below are the more common reasons:
- Not using a burglar alarm if you have specified that you have one or in the event of a burglary there is no forced entry
- Failing to report a burglary to the police
- Leaving windows open or not using the locks
- Being away from the home for over 45 days with no one occupying it
- Using your home as a business without informing the insurance company
comparethemarket.com recommends that all homeowners should compare buildings and contents insurance online to make sure that they get a comprehensive home insurance policy that offers the reassurance they need.