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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.

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
Do you know someone who could benefit from this article?
Posted 16 JULY 2020

Is my home insured?

Generally, if you own your home, it will only be insured if you’ve insured it yourself. If you have a mortgage, your mortgage provider normally requires that you have buildings insurance in place as a condition of the mortgage. If you’ve paid off your mortgage, it’s up to you to make sure you have buildings insurance in place to cover your home, should something happen.

If you live in a leasehold property – a flat, maisonette or house – your freeholder (or whoever manages the building) may have taken out buildings insurance. However, this isn’t always the case, so it’s important to ask the freeholder or building manager whether buildings insurance is in place. You’re within your rights to ask to see the policy documents too.

If you rent, sorting out buildings insurance is the responsibility of your landlord – but there’s no legal requirement that they do this. Check with your landlord to confirm whether buildings insurance is in place.

Whatever your circumstances – whether you own your own home, have a mortgage, live in a leasehold property or rent – it’s up to you how much home contents insurance you get.

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  £146** per year for their buildings and contents home insurance. And 10% of people can get both buildings and contents insurance for £98*** a year.

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 £146.00 per year for their buildings and contents home insurance based on Compare the Market data in August 2020.
***10% of people could achieve a quote of £98.00 per year for their buildings and contents home insurance based on Compare the Market data in August 2020.

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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