Homeowners Insurance, Home Insurance and House Insurance in the UK

This website is about homeowners insurance, home insurance, house insurance, quotes, companies and policy - a basic guide to UK Insurance.

Millions of households in the United Kingdom are at the mercy of fire hazards, severe environmental conditions, and burglary. Building Insurance is meant to provide an adequate policy cover for these types of events that may befall your property.

Who should have it?
All homeowners should have building insurance to protect both their property investment and any expenses which may stem from the damage or complete destruction of any physical buildings covered by the policy. Some insurance companies already provide additional contents coverage on top of the regular building coverage. Some are value-added options while a most are standard features of their building insurance policies. Contents insurance is meant to provide a level of financial protection whatever maybe inside the insured property from any damage or theft.

Applying for Home Insurance coverage

Almost all insurance providers will require that you provide as much information about the property you own and its contents, this applies to both old and new buildings. They do this to be able to give you a fair quote for property value and ultimately the amount of premium you will need to pay.

Please note that not all buildings are eligible for coverage, some companies refuse to insure buildings and property beyond a certain age. Others also put a limit on what materials the building is mostly made with, for example some old brick buildings are not accepted for policy coverage. Others also consider the location of the building, even if it was new and made of modern materials, since some areas are considered 'high risk'

Providing false and incomplete information may cost you your benefits later on when the need arises for you to file an insurance claim.