Welcome to House Insurance

House/Home insurance comes in different categories with buildings and contents
being the main two most companies will give one policy covering both.
People often shop around for the cheapest quote whether this is the best thing to do you would have decide this for yourself.
As with most things in life we tend to get what we pay for hence the more expensive policies tend to give the better cover.
It is possible to get separate policies one for just your buildings cover and another for just contents cover although usually it is cheaper to have one policy for both covers.

It is a good idea to plan ahead and decide which cover you need and exactly what you would like covered many people when it comes to a claim find they are under insured all to often.when you have decided on your policy it is a very good idea to read through it to make sure you have all the cover you require.

In addition to the structure, a buildings policy covers permanent fixtures and fittings such as baths and toilets, fitted kitchens and bedroom cupboards. Interior decorations are also covered. Policies will usually include outbuildings such as garages, greenhouses and garden sheds. Boundary walls, fences, gates, paths, drives and swimming pools may not be covered - always check the policy if you need cover for these area.

Most house insurance policies cover damage to your home by:

  • Fire.
  • Aircraft or things falling from them.
  • Lightning.
  • Subsidence, heave and landslip.
  • Explosion.
  • Falling trees or branches.
  • Earthquake.
  • Impact by vehicles or animals.
  • Theft.
  • Breakage or collapse of aerials.
  • Riot and malicious persons.
  • Escape of water from tanks or pipes.
  • Storm and flood.

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Many insurers? home buildings insurance policies have additional extensions of cover. These may be:

  • Alternative Accommodation - If your home is so badly damaged that you cannot live in it until repairs are completed, your policy will help to meet the reasonable cost of alternative accommodation up to a stated limit.
  • Third Party Liability - If, as owner of your home you are responsible for any injury to someone or for damage to their property your policy will pay the damages and cost for which you are legally liable. There is usually an upper limit of ?1 million or more in the UK.
  • Underground Pipes and Cables - Supplying gas, electricity, oil or water, as well as sewage pipes, are normally insured against accidental damage. They will not be insured against normal wear and tear.
  • Glass - In doors, windows and skylights are normally covered against breakage along with baths, washbasins and WCs.

This said, your main legal liability will arise from you being occupier of your home and a contents policy covers this. All you can do to find truly cheap home insurance is to do your homework and minimise the risk by knowing what you are getting for your money.