Compare Cheap Home Insurance Quotes Online & Get Cashback

What is home insurance?

Home insurance covers the cost of emergency repairs to your home. The policy typically covers the cost of repairing damage due to fire, lightning, other natural disasters, as well as damage or losses from vandalism or theft. 

More specifically, buildings insurance covers the cost of repairing damage to your building while contents insurance covers the cost of replacing stolen or damaged items.

Do I need home insurance?

Which policy is right for me?

You can choose either buildings or contents insurance, or a combined policy of both together.

Home Insurance FAQ

Need some help with knowing what home insurance you need or anything else? Our home insurance FAQs will answer all of your most pressing questions and help you to get the best insurance quote to suit you.

• Is home insurance mandatory?

  No, it is not mandatory for homeowners, renters or landlords to have home insurance, but it is a good idea as it will cover the cost of replacing your personal possessions and of repairing the building itself. 

• How much is home insurance?

  A combined policy might cost around £300 per year, on average, but this will be heavily dependent  on your situation, location, house size and type, the value of your house and posessions, quality of your security and alarm system and more.

• What does home insurance cover?

  If you opt for a combined buildings and contents policy, this will cover the cost of repairing the building, and of replacing broken or stolen possessions.

  A buildings insurance policy will only cover the building itself and permanent fittings, in the event of damage.

  A contents insurance policy will only cover the cost of replacing your broken or stolen possessions.

• How soon can you claim?

  This will depend on your insurer. Some insurers will not allow you to claim immediately after accepting the policy. Typically, you will agree a policy start date for some time in the future and can make a claim from that date.

• Does home insurance cover roof leaks?

  This will depend on your insurer and how the leak and other damage ocurred. If the leak is caused by fire, a natural disaster, vandalism or similar causes, then leaks are usually covered by your insurance.

  You should be clear on what causes are covered, as you are likely expected by the insurer to regularly maintain your roof and many insurers may not cover a leak due to general wear and tear.

• Does home insurance cover boiler issues?

  This is often covered as an additional 'boiler cover' add-on, as homeowners quite commonly experience issues with their boilers in many cases due to not having it serviced and maintained regularly.

  Your insurer may cover damage to other items and appliances caused by the faulty boiler leaking, but may not cover the boiler itself unless specified in your insurance policy documents.

• Does home insurance cover damp?

  Rising and penetrating damp are often not covered by your home insurance, as it is usually seen as a maintenance issue which falls on the homeowner to keep in check. However, some insurers may offer this for an additional fee. 

  It is worth checking your insurance policy documents to confirm whether or not this is covered, but in most cases you are likely to need to resolve the issue yourself.