Is my house insured?

Sometimes, it’s tricky to tell whether your house is insured or not. You might be a leaseholder, unsure about your insurance responsibilities. Or you might not know what level of contents insurance you have, if any. Here’s how to find out.

Chris King From the Home team
3
minute read
posted

How much is home insurance?

If you don’t have insurance, it might not be as expensive as you think. According to our data, 50%** of people could get a quote of £138 per year for their buildings and contents home insurance. And 90%** of people can get both buildings and contents insurance for £250 a year. That means most people can insure their home and the things they care about for under £5 a week – that’s less than the cost of a takeaway – and be protected against disasters like fire and flood.

The bottom line is that, if you want your property and belongings to be protected in the event of damage, theft or loss, you’ll need contents and buildings insurance.  

**50% of people could achieve a quote of £138 and 90% of people could achieve a quote of £250 per year for their buildings and contents home insurance, based on Compare the Market data in February 2019.

I think I have a home insurance policy but I can’t find the details. What can I do?

If you have an insurance policy but can’t remember who it’s with, you can: 

  • Check your bank/credit card statements for evidence of any payments  
  • Call your insurance broker or financial adviser, if you have one  
  • Ask your mortgage provider for details of the buildings insurance information you gave them when you took out your mortgage  
  • Check your email history and paperwork for any correspondence  

If you know the name of your insurance provider but can’t lay your hands on the policy documents, give them a call and they should be able to find the details using your name and postcode. 

How can I insure my house? 

If you don’t have insurance in place, just give us a few details about yourself and your property and we’ll find you suitable quotes from a range of UK insurance providers.  

If you have insurance in place but want to switch to a different insurance provider, it’s an ideal way to get a competitive premium. But check your policy documents to see whether you’ll be charged a fee if you switch before your home insurance renewal date.

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