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  £145 per year for their buildings and contents home insurance. And 10%*** of people can get both buildings and contents insurance for £101 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 £145 per year for their buildings and contents home insurance based on Compare the Market data in August 2019.

***10% of people could achieve a quote of £101 per year for their buildings and contents home insurance based on Compare the Market data in August 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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