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Home insurance, also called house insurance, is a type of insurance used to protect your home. As long as your premium is paid on time each month your home will be covered for insurance risks such as fire, flood, subsidence, theft and other emergencies.
It's a good idea to protect your home and the items within it, with a home insurance policy. The cost of rebuilding your home after a fire or flood would be more than most people could afford.
Most people underestimate the value of their belongings and the potential cost of buying everything new again if they're stolen or damaged.
It's important to shop around for the best quotes. The cheapest home and contents insurance may not be the best cover for you.
Covers the structure of your home and provides insurance against fire, flood, subsidence and the cost of rebuilding. It only covers the bricks and mortar of your home, not the contents.
You only need buildings insurance if you own the property, not if you rent it or are a tenant.
Protects your possessions within your home, garages and outbuildings if you choose to include these within the scope of the policy.
Contents insurance is not compulsory, but is a good idea as the cost of replacing your possessions if they were stolen or destroyed in a fire could be high.
The best home insurance policy is one that meets your needs and covers all the possible risks to your home and its contents.
Leoni Moninska, Insurances Expert
Comparing and finding the home insurance policy most suited to your needs is the best way to make sure that all your personal belongings are covered in the event of an emergency. Some policies may require additional cover for high value items and it's important to make sure these are added on to your policy.”
We compare home insurance from over 60 insurance providers across the UK so that you can choose the deal that’s right for you.
See all home insurance providers we work with at Uswitch and compare today.
While standard home insurance work for most people, there are also specialised home insurance policies that might be more suited to your needs.