by jqm | Jun 28, 2018 | Builders Insurance, Home Insurance
Home insurance is a significant investment which cannot be avoided. Your home is probably the most expensive thing you own and therefore it needs and deserves protecting. The right home insurance is entirely dependent on the type of property you live in and what you want to spend. Comparing the home insurance market helps to ensure you get the best value policy for your needs.
You will find great variation in what home insurance policies offer so taking the time to go through a proper comparison ensures the best product for your circumstances. You can compare home insurance with Just Quote Me with ease.
What is Home Insurance?
It probably seems like a very basic question but there are different elements to a home insurance policy.
Buildings Insurance
Buildings insurance is cover for the physical fabric or makeup of your home, including its fixtures and fittings. It protects this part of the home against disasters and events such as fire, storm and flood. Almost all mortgage providers will expect you to have buildings insurance before giving you approval.
Accidental damage and unforeseen emergencies are not usually covered by standard buildings insurance. You may need to look into home emergency cover as an addition to your regular policy.
Contents Insurance
Contents insurance refers to cover for your possessions within your home. The things you take with you when you move into a new property such as your furniture, kitchen appliances, home entertainment systems and similar. It will also cover valuables up to a stated limit.
As with buildings insurance, contents insurance varies from provider to provider. Not all people choose to have both policies together, but this is a common option. When you compare home insurance you can look at the best value way of getting both types of insurance.
Compare Home Insurance with Just Quote Me
Just Quote Me has provided guidance and quotes for home insurance to many people. We can help compare home insurance quotes to help you find the right one for your property. Get in touch today or fill out our callback form to hear from one of our advisers very soon.
by jqm | May 10, 2018 | B&B Insurance, Home Insurance
Many people in the UK have a second home or property used for holidays and breaks away from it all. As a home in its own right, many think standard home insurance is enough to protect their second property, but this often isn’t the case. Holiday homes require unique holiday home insurance cover, as there are caveats to second homes which differ from your main property.
Standard home insurance usually excludes properties which are empty for 30 days a year or more. In the case of holiday homes this is almost always true which is why specialist holiday home insurance is necessary.
Holiday Home Insurance Cover
Holiday home insurance should provide the same protection as regular home insurance. Buildings cover will protect you against the cost of repairs and rebuilding should it be damaged due to fire, storm, flooding and/or related subsidence. Holiday home insurance policies may also include:
- Emergency helpline and travel cover
- Personal possessions cover
- Contents cover
This is the case both abroad and in the UK. Be aware costs of premiums will vary dependent on the location of your holiday home.
It is important to look closely at policies as holiday home insurance often have exclusions. These include exclusions for properties which are on long-term let, have solar panels and those which have watercraft or boats within the boundaries of the home.
Holiday Letting Insurance
Things change for your holiday home if you let it out when not using it yourself. If you’re planning on letting your property then you’ll need further elements to your holiday home insurance. These include covers such as public liability protection, protection against loss of rent and accidental damage cover. You may also want additions such as alternative accommodation cover should an emergency situation occur and employer’s liability insurance if you employ people to work at the property such as cleaners, concierge or similar.
At Just Quote Me we work with many different property owners. We recognise holiday home insurance can be confusing for homeowners and we’re only too happy to help. Get in touch today to discuss your circumstances and cover options.
by jqm | Apr 5, 2018 | Business Insurance, Home Insurance
If you’re the owner of a stately home, either as your private residence or for business purposes, then you’ll know just how special it is. Whether it’s a listed building or not, your stately home will require a special kind of insurance. All properties of this nature are unique and so each stately home insurance policy is unique too.
Specialist heritage insurance professionals look to provide state home insurance to suit properties of all types. An insurance policy will need to be designed for your specific requirements. At Just Quote Me we deal with property owners of all backgrounds with a wide range of different properties. Owning a stately home comes with many challenges and ensuring your insurance policy is sound shouldn’t be one.
Bespoke Stately Home Insurance
Your stately home needs unique cover to suit its particular background, history, estate and any additional elements. Some stately homes may have paddocks and additional out buildings for example, whereas others may not. Some may have thatched cottages or similar on their land while others won’t. The unique features of your property and its land will play a role in the bespoke stately home insurance policy created for you.
Stately home insurance can include the following types of cover:
- Buildings cover
- Contents cover
- Business interruption cover (should your property be used for business purposes)
- Legal expenses (as above)
It is even possible to get support and advice from specialists such as architects, fine art specialists and antique experts when assessing the level of cover needed for the property in question. The more information you can provide the better for getting a fully fitting insurance policy.
Stately Home Insurance with Just Quote Me
Our professional insurance advisors work with business owners as well as those looking for personal insurance all day, every day. Our experience allows us to help you find the right cover for your property, taking into account its unique features. Contact us today to arrange cover for your stately home.
by jqm | Mar 8, 2018 | Home Insurance
Thatched cottages and similar properties are highly sought after and wonderful to live in. However, this kind of home does come with added risk and you need specific and specialised thatched home insurance for peace of mind and to protect your property. News stories appear every month of devastating fires in thatched homes, and should the worst happen, you want your financial investment protected at the very least.
Specialist Thatched Home Insurance
Thatched cottages and houses require specialist insurance focused on the thatching itself. Thatched roof and thatched home insurance will focus on protecting the property against fire, storm and accidental damage. Some policies may also protect against flooding.
A thatched home insurance policy will also include everything you would expect from a regular home insurance policy such as building and contents insurance. You may find slightly different terms due to the specialist nature of your property, but you can look at these before settling on any policy.
Buildings and property owners’ liability insurance may be something else to consider. Some policies incorporate this, and it protects against things such as subsidence, debris removal charges and surveyors’ fees.
Thatched Roof Insurance
The focus for thatched home insurance is of course the thatching of the roof. Specialist insurance is almost always needed for these homes. Thatched homes are “non-standard” which means they usually cannot be covered in a standard home insurance policy.
The evident and clear risk of fire increases with a thatched roof. Similarly, the re-build costs should a fire occur are also higher.
Owning a thatched property comes with additional costs and unfortunately higher insurance premiums is one of them. Investing in this kind of property is a risk but for many it’s their dream home, so this is completely understandable.
Many thatched properties are also classed as listed buildings. This again may increase their premiums because of their significant historical interest. Knowing all of this before you invest in a thatched property helps avoid any unwelcome surprises further along the way.
Specialist Thatched Home Insurance with Just Quote Me
Just Quote Me employs a team of insurance specialists. We work with many different types of homeowner to secure the best insurance for every customer. The quotes available for thatched properties are less than standard homes. However, there is still plenty of scope for choice and finding the right policy for your property. Contact us today to find out more.
by jqm | Dec 7, 2017 | Home Insurance, Just Quote Me
Research carried about by consumer group Which shows UK home insurance prices are on the rise. Premiums for home insurance in October 2017 were 8.5% more than they had been in the previous year. This shows just how important it is to compare quotes online, shop around and find the best possible home insurance policy for your family.
Although it isn’t strictly mandatory you have home insurance, you will find it hard to get a mortgage without one. Almost all mortgages include a clause which states home insurance is necessary. Homeowners therefore, need to explore their options, compare home insurance quotes online and find the best possible policy for their needs.
What will your Home Insurance Policy cover?
There are many different levels and types of home insurance. There is a basic level of cover in almost all policies and you will probably find that it will cover different compensation types for different types of accident, incident or cause. Your home insurance policy is likely to cover damage and loss caused by incidents such as earthquake damage, fire damage, malicious damage and explosion damage. It may also cover oil leaks from the heating system, vehicle or animal impact damage and damage caused by falling trees.
Policies may also feature further clauses which allow for compensation for issues such as damage caused by shoddy workmanship or even general wear and tear. You will find home insurance has a personal liability element too – protecting you should someone be injured in your home and attempt to claim for compensation for negligence on your part.
Online Home Insurance Quotes with Just Quote Me
Home insurance is an essential investment for many of us. Therefore, it is important to spend time finding the right policy, at the right price. With prices increasing it is more important than ever that you spend time checking quotes online. This increases your chance of finding a good quote. At Just Quote Me our expert insurance specialists can help you find the best quote for your home. We can also go through your options with you.
If you have any questions, want to discuss your home or anything else at all you can contact Just Quote Me directly or you can request a call back today.
