What do these home insurance companies cover?
Contents insurance covers all the stuff you’d have to pick up and pack away if you were moving, like furniture, clothes and white goods. Money, jewellery and valuables are covered too but if they’re particularly pricey, you might need to declare them on the policy
Buildings insurance covers permanent fixtures of the house, like the walls and the boiler. Although it’s not a legal requirement, it will probably be a condition of you mortgage that you take out buildings insurance.
Accidental damage cover:
Accidental damage cover can sometimes be part of buildings or content insurance as standard, but not always. It’s what you need when you spill a bottle of your finest red all over the white sofa.
Home emergency cover:
Home emergency cover protects your home from further damage in the event of burst pipes or anything else that can damage the structure or contents if it’s not dealt with right away, such as electrical, security and pest control issues. Some policies will include home emergency cover but many don’t, so think carefully about whether or not you need it.
Holiday home insurance:
Holiday insurance covers your vacation property in the UK or anywhere you don’t spend the whole year.
Landlord insurance covers properties you own but rent out to tenants in terms of buildings cover but not contents – it’s their responsibility to take over cover for their possessions. Your new guests might seem lovely when you hand over the keys but accidents do happen so it’s best to be covered.
Comparing home insurance with comparethemarket.com
comparethemarket.com works with home insurance companies that offer both buildings insurance and contents insurance. It means your roof is covered when Storm Norman comes along and so is your TV when Storm Terrible Twos rages through the living room.
You’ll find what you need in as little as 10 minutes. Start comparing home insurance policies now with comparethemarket.com.