Home Insurance Comparison
Most types of insurance on the market are non-compulsory but for homeowners it is almost essential that both home insurance and contents insurance are put in place. Most mortgages have home insurance as an absolute requirement so almost every homeowner needs to explore the policies available to them and find cover to suit their needs.
Most home insurance policies come in two parts. One part covers the house itself and the structure, known as buildings insurance, and another which covers the contents. Most homeowners opt to buy their policies from the same provider but there is no obligation to do so and you can look for the best cover in each instance from different providers.
The house and buildings element of your insurance policy will cover the structural elements of the house as well as fixtures and fittings such as kitchen components and even outdoor structures in some instances. Not all policies will cover additional outdoor features such as boundary fences and gates so make sure to check your policy in full.
What does your Home Insurance Policy Cover?
Most home insurance policies will have a basic level of cover and this will incorporate financial compensation for damage and loss due to the following causes:
- Falling trees and/or branches
- Malicious damage
- Storm and flood damage
- Fire and lightning damage
- Earthquake damage
- Explosion damage
- Breakage of television, radio or satellite receivers
- Oil leaks from heating systems
- Aircraft, vehicle or animal impact damage
You may find exclusions in your policy and they usually relate to issues such as general wear and tear and damage which occurs due to poor workmanship. Almost all insurance policies incorporate a degree of personal liability cover, which ensures that if someone is injured while in your home and the homeowner found negligible or legally responsible, the policy will pay out.
There are hundreds of home insurance providers so finding the right policy for your individual needs can be tricky. Therefore, speaking to impartial insurance experts can really help. Just Quote Me provide advice and guidance in your home insurance options and will provide you with a range of quotes to choose from.
As home insurance is a significant and essential investment for homeowners it is important to take your time looking over your options. If you have any questions or want to discuss your home insurance comparison quotes or see what we can find for you, please get in contact with Just Quote Me today.