Home insurance quotes: a quick guide

Are you looking for home insurance quotes for the first time and confused to exactly what you need?

If you are a first-time buyer, becoming a tenant for the first time or have always taken home insurance with you mortgage lender, you may have never compared home insurance quotes. At first it may seem very confusing with the variety of options you have. You are probably unsure of the type and level of cover that you require. Read our below guide and any queries you may have may be answered.

Should I get a quote for buildings insurance, contents insurance or both?

Taking buildings insurance out is often essential if you are taking out a mortgage, own your home outright or are a Landlord. Buildings insurance will cover you for the structure and permanent fixtures of your home.

Having contents insurance is vital for not only home owners but also for Tenants, renting their home. This will cover you for items such as appliances, furniture, clothing and personal belongings.

Many people will require both and will opt for a combined buildings and contents insurance policy.

What extra cover should I consider when obtaining a home insurance?

Some home insurance policies will not only include cover for fire, theft and flood, but will also offer the following features as standard or as an optional extras:  

• Possessions away from the home
• Accidental Damage Cover
• Family Legal Protection

• Get a home insurance quote

What do I need to consider before applying for home insurance?

• You need to consider the cost of rebuilding your home, if taking buildings insurance.
• If taking Contents Insurance you need to consider the value of your contents to ensure you are fully covered.
• If you have a joint mortgage, you may need a joint home insurance policy.
• It is important to get your cover to start at exactly when you need it.
• Do you need your mortgage lender’s interest noted on your buildings insurance?

How do I get a good deal on my home insurance?

There are several ways to get a good deal on you home insurance. Here are some options to consider:

• Have a burglar alarm professionally fitted, maintained and activated at night / when unoccupied.
• Fit secure locks on your external doors and windows
• Install Security Lights
• Join a Neighbourwatch Scheme
• Install Smoke Alarms in your home.

Obtaining a home insurance quote is actually easier and quicker than it may first seem. With comparethemarket.com you enter your details once and we will search 15 top home insurance providers. Compare home insurance now.

• Get a home insurance quote