Home Insurance

Cheap Home Insurance, Home and Contents Insurance, Buildings Insurance and Contents Insurance.

 

Scroll down
for

Home Insurance News

We've discovered 3 Great Deals on

Home and Contents Insurance

Our painstaking research shows that Direct Line, Churchill and Marks & Spencers are offering some of the most competitive rates for Home & Contents insurance in the country. Between them, you're virtually guaranteed to make a big saving.

Nevertheless, there can sometimes be significant price differences between insurers - so get at least two quotes from the insurers we've short-listed for you.

 


Get at least 2 quotes and then you're sure to
save save save !

Our painstaking research saves you
time & money.


Home Insurance News

Click to read any article you're interested in reading.

Mortgage Articles
published by our Editor
How much do you value your home's contents? Keep them covered.
Keep your sum insured on your house contents policy up to date. If you're under insured, your claim may well be reduced accordingly.
All Covered?
Research suggests that most people in Britain are seriously under-insured. One reason for this is that children, rather than their parents now own a number of expensive high-tech goods. Adults often forget to include these on their insurance policies and also, are guilty of not up-dating the value of their own possessions.
New Homes in Rural Communities Planned
Thousands of new, affordable homes are to be built in our rural communities. This article outlines the proposals made by Matthew Taylor MP . Our countryside will become the home for just the wealthy unless something is done.
Knowing Exactly What You Are Insured For Will Prevent Unnecessary Angst.
Not knowing your policy and what exactly you are covered for can cause a lot of stress in a worst case scenario. Below we give an example of this happening and the outcome, and, share some tips with you.
A Basic Guide To Home Contents Insurance
This argues you should always have your contents insured.
Blame The Weather
Whatever goes on in the UK , we tend to blame the weather. It could be the cause of more expense on your home insurance premium though. Read on to find out why.
Home and Contents Insurance. Poor maintenance can invalidate your cover.
If a claim on your home and contents insurance is due to poor maintenance, it could be refused. This article includes a ten-point Home Maintenance Check.
The Importance of Getting More Than One Home Insurance Quote
70% of homeowners accept this home insurance renewal quote automatically. Bad move! This article explains why.
Buildings Insurance and the Threat of Flood
If youre thinking of buying a house in a flood area, read this.

Finance
news provided by
"This is Money"


Our painstaking research saves you
time & money.


It's as easy as 1,2,3

1 Express Home Insurance saves you money

2 Express Home Insurance saves you time

3 Express Home Insurance provides up-to-date News about Home Insurance.

Express tells you which home insurers are likely to be the cheapest.

Express is a 'virtual shopping mall' for home and contents insurance. We present the 4 insurers who are usually cheapest plus a specialist insurer just for Student who want to insure their belongings.

Express gives you the Top 4 cheapest insurers.

No need to waste time scouring the Internet - all the cheapest Home and Contents insurers are right here!

 

Scroll up for details.


We present up-to-date News about Home and Contents Insurance so you can read up about it. Then you'll have everything you need to make an informed decision!

 

Getting a cheap quote for
Home & Contents Insurance

These are some of the features that affect the cost of your Home & Contents Insurance:

Firstly a warning. Make sure you don't under insure. Technically speaking, if you under insure you're not insured - it invalidates the insurance. However, in practice most insurers will scale down any claim you make to reflect the proportion to which you are underinsured.

Most insurers will base your insurance rates on your post-code in order to reflect the claims experience in your neighbourhood. But there are other factors too.

The older your house the more expensive your premium will be.

Is your home terraced? Semi-detached houses are cheaper to insure with detached properties being the cheapest.

If your house is not traditionally constructed it will be more expensive to insure. By traditionally constructed we mean built of brick or stone with some form of slate, tile, or stone roof. For example, if your home is thatched, your premium could well double!

How much would your house cost to re-build if it was destroyed? The cost of re-building is primarily dictated by the floor area of your home and local building costs. Most insurers will calculate the re-building cost for you based on the number and type of rooms in your home and the up-to-date data they hold about rebuilding costs in your area. However, if you have a particularly luxurious home with expensive fittings, you may need to increase the figure recommended by the insurance company. And if your house has recently been surveyed, always use the rebuilding cost recommended by the surveyor.

Is your property in a good state of repair? Badly maintained houses will be charged higher premiums.

Does your neighbourhood have a history of flooding? All insurance companies maintain detailed flooding records by post-code. They also know which areas are scheduled by the Water Authorities as being at flooding risk. If there is a serious flooding problem in your immediate area, insurance companies may refuse to provide insurance cover.

Insurers also take into account geological problems - for example, is there a history of settlement or land-slip or in your immediate vicinity? Land-slip problems are most commonly found in properties built on the coast or on slopes and settlement can be a big problem in peaty and heavy clay areas.

Underground mining can cause subsidence so are you in a mining area? If so, your premium will be increased.

When it comes to Contents Insurance, burglary and theft rates in your neighbourhood will be a major factor. The insurance companies maintain detailed records by post-code of their losses due to criminal activity.

For Contents Insurance, you will be asked to estimate the value of various categories of belongings kept in your home. During recent years the value of household contents has risen by 33% fuelled by ownership of big ticket items such as wide-screen TV's, computers and designer clothes. Most Contents policies will replace items on a new for old basis - but when it comes to antiques, you will need a valuation and should have the items listed separately on your policy.

Did you know that the average contents value for a detached house is now over £40,000?

Our painstaking research saves you
time & money.