Homes call in all shapes and sizes, from bungalows to bedsits and maisonettes to mansions. The one thing they do all have in common is that they are places that their occupants call home. This is where you and your family should feel most comfortable, and where your belongings should be safe.
Our partners’ home insurance policies are designed to protect your home and everything within it, using a combination of building insurance, contents insurance and a number of optional extras.
Why Do I Need Home Insurance?
Although home insurance is not a legal requirement, it is certainly worth considering. If you have existing payments remaining on your mortgage, it is a slightly different matter. Your mortgage policy will almost certainly require you to have a sufficient home insurance policy in place.
It may seem like yet another expense on top of all your other monthly outgoings, but what you really need to decide is whether you can afford not to have home insurance.
Let’s say your boiler has just exploded, could you pay for the repairs or replacement yourself? And if the damage was bad enough that you had to leave your house while repairs are underway, could you afford to cover your temporary accommodation costs? Not to mention if you fell victim to a burglary, and had all your valuable items stolen.
You must consider questions like this, and if the answer to them is no, then a home insurance policy could save you a lot of money and stress in the long run. Accidents are never planned, and, in a home especially, there is a huge amount of potential for one to occur!
A home insurance policy can provide you with the peace of mind that comes with knowing that your home and possessions are properly protected.
Home Insurance Features
The two main features of any home insurance policy are building and contents insurance, so your home and all your possessions are protected.
When applying for either, ensure that you give a realistic quote for the value of your home and possessions. If you underestimate the value, when the time comes to make a claim you may find it does not cover the full cost.
Below are some of the other popular extra features which are available as part of your home insurance policy:
- Accidental damage cover
- Outbuildings cover
- Alternative accommodation cover
- Public liability insurance
- Property owners liability insurance
QuoteSearcher works in partnership with one of our shareholders Bedford Insurance for Home insurance. Please be advised that Bedford Insurance will pay QuoteSearcher a commission per policy sold through themselves. If you wish to continue, please click on the ‘Continue’ button below or click back to return to the QuoteSearcher home page.