Is my house insured? - Find out who you're policy is with and how to find your home insurance details

A woman in her new home

Sometimes, it’s not always clear whether your house is insured or not. Perhaps you bought home contents insurance years ago and it’s just automatically renewed every year without you even realising, or maybe you live in a leasehold property and you’re not sure about your home insurance responsibilities. 

As a first-time buyer, it’s important to have a proper home insurance policy in place to protect your home and its contents, but you might not be entirely sure how to go about obtaining it or maybe you’re not sure whether you have an invalid home insurance policy or not.

In our guide below, we’ll help you to find out who you’re insured with and what to do if you can’t find your home insurance details, as well as explain whose responsibility is it to arrange a policy.

Do you have to insure your house?

Home insurance isn’t strictly a legal requirement, but it is strongly advised that you have a solid home contents and buildings insurance policy in place to protect your home and its contents should anything happen to them.

Despite not being required by law, you could run the risk of being in violation of your mortgage contract if you have a void home insurance policy. Most mortgage lenders will require you to have at least buildings insurance when you apply for a mortgage, so it’s a good idea to get a policy. 

You might like: 10 things that could void your home insurance

Does my house have valid insurance?

As a homeowner, your house will only be insured if you’ve insured it yourself; it’s your sole responsibility. If you have a mortgage, then your provider will likely have asked to see proof of at least buildings insurance for your home when you applied for a mortgage. Once you’ve paid off your mortgage, however, it’s up to you as to whether you want to continue paying for buildings insurance or not.

If you’re a leaseholder and you live in a flat, house or maisonette, then it’s usually the responsibility of the person who owns or manages the building to take out buildings insurance. As a leaseholder, you have the right to request to see the policy documents, and if there isn’t a buildings insurance policy in place, you might want to consider enquiring with the building manager or freeloader as to why they don’t have it.

If you rent a property, taking out buildings insurance is usually the responsibility of the landlord, but as it’s not a legal requirement for them to do this, they might have decided against taking out a policy. In this case, you might need to discuss with them why they don’t have it and if they’d consider taking out a policy.

Whatever kind of property you live in, whether you’re renting, or you’re a homeowner or a leaseholder, it is your responsibility to take out home contents insurance to protect your own personal possessions and belongings, regardless of the type of property you live in or the circumstances in which you live.

Home contents insurance also isn’t a legal requirement, but it is worth having if you want to ensure the protection of your possessions should anything happen to them.

How to find out if your home is insured

If you think you’ve taken out home insurance in the past but you can’t remember who the policy is with or when it started, there are several ways you can check to see if your home is insured and the type of insurance you have:

  • Check your bank statements to see if there is any evidence of payments being taken from your bank account to pay for insurance.
  • Call your insurance broker - if you have an insurance broker or adviser, you can call them to check whether you have a home insurance policy.
  • Contact your mortgage provider - when you get a mortgage, your mortgage provider will likely have asked about your home buildings insurance information, so you can contact them to double-check.
  • Check your emails - if you do have home insurance, you will have likely received an email from your home insurance provider which will provide details of your policy as well as when your home insurance is due for renewal.

I don't have home insurance - How can I insure my home and get the best deal?

As we mentioned above, home insurance isn’t a legal requirement, but as a homeowner, it’s your duty to ensure that your home is looked after in almost any eventuality, as well as the belongings inside your home, so having a proper home insurance policy in place can offer you peace of mind.

If you don’t currently have a policy, but you want to find relatively cheap home insurance to protect your home, you can compare home insurance quotes from different providers to find one that is most suited to your needs and budget.

How much does home insurance cost?

The price of home insurance differs depending on where you live, the type of property you have and the expected cost to rebuild it. These factors determine how much you’ll pay for your home insurance, but they can also differ depending on various other factors as well.

According to Compare the Market data in November 2020, the following shows how much different types of home insurance policies cost (on average):

  • Buildings insurance: £115 per year.
  • Contents insurance: £68 per year.
  • Combined contents and buildings insurance: £147 per year.

Of course, these figures are a very approximate estimation and home insurance prices can vary enormously across the country, depending on the type of house you have, etc.

How to find cheap home insurance

If you want to take out home insurance to protect your home, its contents and your family, but you don’t want to pay a fortune for it, take a look at some of the ways you can keep the cost of home insurance low.

  • Shop around and compare quotes from different providers.
  • Consider taking out a combined policy.
  • Increase your voluntary excess (but ensure that you’ll be able to pay it if you need to make a claim).
  • Build up your no-claims discount.

Related guides