How To Find Cheap Homeowners Insurance In The United Kingdom

There are two types of home owner standard insurance cover in the United Kingdom. They are buildings insurance and contents insurance. Building insurance is cover protecting the construction of your home and property. Contents insurance protects any household object in your home that can be moved with you. This includes some valuables.

To find the cheapest homeowners policies, going to price comparison insurance websites such as is a practical way to review several homeowner insurance companies, and what these companies offer in the way of standard cover for buildings and contents. You will also be able to research what add ons might make sense for you to purchase depending on the value of your home and the contents you own.

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What you will discover as you begin your price comparison search is home insurance policies vary according to the insurer. Before you begin your search, it is a good idea to know what you are looking for, which will help to minimise the money and time you spend to find the best insurer with the most standard cover at the cheapest rates available. 

What to do if you are turned down for insurance


There are many reasons why an insurer may decline to accept you as a customer, ranging from a change of policy, through past non-payment of premiums right up to suspected fraud in your postcode. If you have been turned down for a new policy or a renewal it may be better to seek the help of a specialist broker. You will find contacts on this this site if you have had insurance refused in the past.

Reducing Your Risks Will Help To Reduce The Cost Of Your Premiums.

There are measures you can take ahead of time to make the loss or damage to your property and its contents less risky.

For example, if your windows are protected with locks and your doors have deadlocks, you can expect to see that many insurance companies will offer you a discount when purchasing homeowners insurance. Having a recognised alarm fitter install an alarm system in your home is also a good way to reduce the risk of your home being robbed. Although alarm systems can be expensive, if you have valuables in your home, the expense is well worth it considering the price you would have to pay to replace a cherished antique or expensive piece of jewelery.

You might also consider raising your excess on a voluntary basis. Most insurers require an excess of at least 50 on any claims made. However, if you opt to raise your excess to 100 or more, you will see that your premium will be reduced.

If you live in an area that has an active neighbourhood watch program, there are some companies that will offer a discount simply because the area is taking extra precautions to prevent robbery and vandalism.

If you've never had to file a claim and have a history of owning a home with a recognised homeowners policy, you could qualify for a no claims bonus. To keep a policy claim free, it may be to your benefit to pay for a smaller loss or damages to your home rather than submit a claim. This to an insurer means you are in a lower risk level, and it could very well be reflected on the premium you pay.

There are also homeowner insurers that offer discounts to homeowners over 50 years old, homeowners with lifestyles that don't include drinking or smoking and homeowners owing a dog. Make sure that you mention any of the above factors, as the insurer will likely quote a lower premium based on your lifestyle. Also, be sure to let an insurer know about any precautions you have taken on your own to reduce the risk of damage or home invasion. For example, if you have a safe for your valuable jewelry, this could help to reduce your premium.

By simply going to a price comparison homeowner insurance website, you could very well receive a discount, and if you are a new customer, many insurers will offer a 'new customer' discount just for signing on with their company.

Save Money By Only Paying For What You Need

Make sure you have accurate figures for your building and contents insurance. If you don't you could be under or over insured, and that could hurt you either way. Building insurance will cover what it would cost to rebuild your home, not what the market value of your home is. To find out what the rebuilding cost of your home is, check the property deed or mortgage agreement. There are also policies that offer a high standard or unlimited building sum, which means you don't have to worry about the amount it would cost to rebuild or repair.

As noted, contents insurance will cover anything in your home that can be moved with you. You should have a list of everything in your home and its value. By doing this, you will have a pretty good idea of what you will need in terms of contents cover. Make sure your list includes the cost of replacing everything that can move with you, including things like clothing, CDs and videos.

Finally, you might consider looking on price comparison homeowners insurance websites for separate buildings and contents insurance policies. You might find that one insurer has better standard cover for buildings, while another offers more discounts when it comes to contents. There is no rule that says you can't shop for either component and buy from two different insurers.