Home Insurance, Home Insurance Quotes
We’ve really researched Home and Contents insurance and what a job that was! Up for nights on end with a magnifying glass and knee deep in paper. Boy, those insurance companies can’t half churn it out.
Well at last we’re pleased to present to you with our selected Top 2 all-round home insurance online providers – it’s Direct Line and Endsleigh. We suggest you get online quotes from both and get the lo-down from the pick of the bunch.
We’ve also studied the specialised market for Home insurance for Students and Tenants. The Top online provider for Students is without doubt E&L Insurance. The best online provider for Tenants is clearly Endsleigh.
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| Online Quotes For most circumstances |
Online Quotes and special online quotes for Tenants |
Online Quotes and special online quotes for Students |
Read our Top tips for Cheaper Home Insurance.
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There are ways for you to save money on your home insurance premiums. A good startis to read our Top Tips.
Aim high - The increase your voluntary excess and your premiums will fall disproportionately.
Play it safe - Home security plays a large part in the cost of your home insurance. We’re particularly talking strong locks, secure windows and a burgular alarm. A secure house is clearly less likely to suffer from theft or damage, and as a lower risk, you’ll almost certainly get a discount.
And there's more - Additional safety features such as Neighbourhood watch schemes, smoke alarms, and gates can all contribute towards a safer house. These too can reduce your home and contents premiums. For example, joining a Neighbourhood Watch Scheme may save you as much as 10 or 15% on your premium.
Be organised - Always ensure that all your policy details are fully up-to-date. Remember that as each year passes the value of your possessions will change. You need to review your cover each year and sometimes more often if you buy something special. Add any new major purchases into your current policy because they will not be covered. Similarly, if you sell or pass on any expensive items over the year, remember to deduct the value of these items from your cover. It’ll save you money.
No claims - If you have a history of no-claims then you should get a discount from your home and contents insurer. No claims bonuses are after a complete year without making a claim.
Buy online - Online is the way to buy. It’s cheaper for the insurers and pass on the savings to their customers by reducing the premiums.
Don't under-insure - If you under-insure to save on your premiums, you won’t get a full pay out on any claim. You’ll end up paying for part of the claim yourself on top of your excess. The saving’s simply not worth the risk.
Fire Fire - Domestic fires can be devastating and they’re costing more. So insurers may offer cheaper premiums on both buildings and contents policies if you fit smoke detectors.
Check your cover – Don’t over insure. Make sure that you need all the home and contents cover that you are getting. For example there's no point paying to insure a garage if you don't have a garage! Ask for this cover to be removed and save on your premiums.
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