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Specialist Home Insurance
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Do you need a cheap home insurance policy?
Home insurance comes in two categories: “buildings insurance” and “contents insurance.” Buildings insurance covers you for the physical structure of the house and applies to any damage to your home from fires, storms, theft, vandalism, flooding, subsidence, etc. Most policies will include the fittings such as fitted kitchens and bathroom suites and any walls, gates, sheds or a garage. You can also add “accidental damages” to your policy which will cover you if you drill through a pipe or into the electrics while doing DIY. Contents insurance covers your possessions from furnishings to furniture to clothes, jewellery and even the food in your freezer in the event of theft or disaster such as a flood, fire, or storm. It is a good idea to insure your contents for the cost it would take to replace everything in your home. You can also get “accidental damages” added to your contents insurance to protect against DIY accidents or damage by pets or children.
While homeowners can get a single policy that will cover both buildings and contents, it is often best to get separate quotes as this might save you some money.
Use the recommended websites to get quotes on cheap home insurance and to get more information.
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