Archive for the 'Home Insurance' category

Subsidence & Home Insurance Explained

August 5, 2022 | Posted under: Home Insurance

Subsidence: Does your home insurance cover you? If you’re worried that your property might be affected by subsidence at any time, you might want to take out a home insurance policy with subsidence insurance included. We cover everything you need to know so you can make an informed decision and take action to help prevent it from happening to your home. Skip to: What is subsidence home insurance? What causes subsidence? What are the signs of subsidence? How much does subsidence insurance cost? How…

Home emergency cover - What is it & is it worth it?

August 4, 2022 | Posted under: Home Insurance

Home Emergency Cover What is it and is it worth it? We’ve all been there, and therefore we’re all painfully familiar with the drill. A water pipe freezes over, it cracks, springs a leak, the kitchen is subsequently flooded in a very short space of time and general panic ensues in the un-prepared household. You call either your landlord (if you’re a tenant), plumber (if you’re the homeowner) and/or both if you’re sensible and thinking on your feet. Yes. The burst pipes…

Does having a burglar alarm lower the cost of home insurance?

April 27, 2022 | Posted under: Home Insurance

Does having a burglar alarm lower the cost of home insurance?Alongside the cost-of-living crisis and soaring energy prices, home and car insurance premiums are on the rise too. Why has home insurance gone up 2022? Home insurance costs rose by a whopping 9.1% in January 2022 following the introduction of the Financial Conduct Authority’s (FCA) new ‘price walking’ rules. The FCA’s new rules for insurance providers were aimed at reducing costs for loyal customers who were often…

Proof of purchase and contents insurance

April 21, 2022 | Posted under: Home Insurance

Proof of purchase and contents insuranceIf you claim on your home contents insurance policy, many UK insurers will require evidence that you bought an item and documentary evidence of the price you paid for it. But what exactly is a valid ‘proof of purchase’ - what will contents insurers accept as proof? What is proof of purchase? How soon can you claim on home insurance? Is it worth claiming on home insurance? Claiming on contents insurance tips What is proof of purchase? Proof of…

Accidental damage & home insurance guide

April 19, 2022 | Posted under: Home Insurance

A guide to accidental damage and home insuranceIf you try to claim on your home insurance for accidental damage you may be unpleasantly surprised to discover that ‘accidental damage’ is not covered by your home policy. Accidental damage insurance is very often not included, as standard, on most home insurance policies or, if it is, there are strict limitations on the types of accidental damage covered. To have this specific type of cover in full you will typically need to pay an extra…

Freehold vs leasehold

April 13, 2022 | Posted under: Home Insurance

Freehold vs leaseholdThe type of home insurance policy you need will depend on, amongst other things, whether a property is a freehold or leasehold property. But what exactly does the conveyancing jargon ‘‘freehold’ or ‘leasehold’ mean in layman’s terms? And what’s the difference between freehold and leasehold? Here’s everything you need to know about leasehold vs freehold. Find a great deal on home insurance today Skip to: What does freehold mean? What…

Can I get home insurance without a completion certificate?

April 11, 2022 | Posted under: Home Insurance

Can I get home insurance without a completion certificate?A completion certificate is an official document issued by a local authority’s building control department which confirms building works to a property have been carried out satisfactorily and safely, in accordance with building regulations. When you sell, buy, mortgage or insure a property that has had some type of building work done that may have required compliance with building regulations, you may encounter problems if there is no…

Easiest ways to reduce the cost of your home insurance

April 7, 2022 | Posted under: Home Insurance

Easiest ways to reduce the cost of your home insuranceHouse insurance helps protect your pocket from costly damage caused to your property or its contents from incidents such as fire, flooding or theft. So how much is home insurance and how can you get cheap deals? As average house insurance costs continue to rise, here are 10 simple measures you can take to get cheaper insurance for your home and its contents. Compare quotes 3 weeks before renewal Only pay for the cover you need Pay annually rather…

When was my house built? | Check property age

March 18, 2022 | Posted under: Home Insurance

When was my house built?When you arrange home insurance your insurance company will ask when your house was built, but not many of us immediately know the answer and wonder “how old is my house?” and “how can I find out?” - unless the property in question is a new build. Knowing the exact year or decade in which your property was constructed can be a gamechanger when it comes to buying, selling or insuring a home. A property’s age can not only affect the value of a property,…

How does No Claims Discount work for home insurance?

March 8, 2022 | Posted under: Home Insurance

How does No Claims Discount work for home insurance?Not all home insurance policyholders are aware that similar to a No Claims Bonus you can build up for not making a claim on your car insurance, you can similarly build up a NCD on your home insurance for not making a claim too. Read our comprehensive guide to find out absolutely everything you should know about a home insurance policy No Claims Discount including how to avoid making a costly claim to save money on your future insurance premiums. What…