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Home Insurance UK

Buildings and Contents Insurance Guide


When you own a property you have to insure the building and your possessions in the event of damage, for example from a fire and so on.

Most mortgage lenders will try to get you to take their own policy. But if you shop around you could save yourself thousands.

This no longer involves you trudging through the phone book. By using the internet you can have the market checked for you by filling out a simple application form on various insurance websites.


Buildings and Contents BUYING TIPS

Note that Rebuilding costs are not the same as the market value of your home. Often they're less than half - for example they don't include the cost of the land.

You'll overpay if you get this wrong. But if you underestimate it you'll have major problems if you're responsible for rebuilding the property

Check out the Association of British Insurers booklet called "House rebuilding costs". Tel 020 7600 3333.

Never underinsure your contents and possesions. Even shabby old furntiure will be expensive to replace.

Many people regret having miscalculated when it comes to having to buy new things and finding how much we should have insured for.


To estimate properly:

Go through each room in your property and make a list of what you have. Be realistic about the replacement costs.

Get an independent evaluation for high value items, antiques etc.

Be wary of so called "blanket cover" packages. These are based on the number of rooms. You can end up paying more than necessary.

Shop around for better quotes than your lender's offering and you could save thousands.


How to Get Your Best Quote

The best thing you can do is checkout a specialist broker. They should be able to find you the best prices and also the most appropriate deals ie where someone has read the small print.

Always get THREE quotes. And don't forget: if you go direct to an insurance provider they'll only tell you about their own "products".

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UK Insurance Guide Information © Moneysorter Ltd | Author: By Ed Parry 1999 - 2013