Searching for home insurance online is a normal process for people who are looking to renew their policy and also those who may be looking for their first policy. It can be easy to visit an insurer’s site and just choose the first policy you find. However, taking time to compare cheap home insurance online ensures you get a policy fitting for your home.
What is Home Insurance?
Home insurance protects your property. It protects it against things such as fire, flood and damage to the home and also your belongings. Home insurance combines two distinct covers: buildings insurance and contents insurance. You can buy these separately but it is more common to buy them in a package.
Buildings insurance specifically protects the structure of your house. This includes permanent fixtures and fittings such as fitted kitchens and toilets.
Contents insurance relates to your possessions. It protects personal possessions and valuables against accident, damage and loss, but they usually have to be listed in an inventory.
Information Needs to Compare Cheap Home Insurance Online
When you are looking for home insurance online, some questions will occur regularly. To compare home insurance online you’ll probably need to provide the following information:
- Specific property details including when it was built, the type of lock on the front door and whether it has a flat roof or not
- An estimated rebuild value for your home
- An estimated value of your personal belongings
- Details of your current home insurance if you have any, including any claims made
- Number of occupants living in the home
Does Everybody Need Home Insurance?
Home insurance is not a legal requirement. Although you do not need to have it, it is definitely a good investment should the worst happen to your home. What’s more, mortgage lenders usually insist you have buildings insurance. Many lenders will not arrange your mortgage without appropriate buildings insurance in place.
Annual home insurance policies differ from company to company which is why it’s important to compare quotes. Similarly, if you have a special kind of home such as a listed building or a home with a thatched roof, you will need specialist insurance.
Compare Cheap Home Insurance Online with Just Quote Me
You can compare cheap home insurance with Just Quote Me today. Use our online quote form or call us on 0800 084 2325 today.