Compare Home Insurance
Comparison sites are a great method of comparing multiple quotes online in minutes to not only find the cheapest policy available, but a policy that suits your individual circumstances. Different comparison sites compare a selection of different insurance providers so it's important to compare with more than one. Only comparing with one comparison site could mean you only compare 50% of the market - so to increase your chances of finding the ideal home insurance product compare with at least two sites. Follow our step-by-step guide below to quote for your home insurance today.
Step 1: Get a quote from Gocompare.com
- Search over 85 different companies
Enter your details once and let Gocompare.com do the rest
- Protect your most valuable possessions
Compare home insurance quotes to get the right cover for you
- Totally independent and unbiased
Unlike many other comparison sites Gocompare aren't owned by and do not have any investment from an insurance broker or insurance company
- Your data is 100% secure with Gocompare.com
Step 2: Compare, quote, purchase, renew and claim with Policy Expert
Policy Expert Home Insurance
|Policy Expert take you through every step of getting your home covered - from getting multiple quotes online and buying your policy right through to renewing your policy and making a claim. Furthermore, Policy Expert promise customers no hidden fees, no email spam and they will not sell your data or pass you on to a third party.||GET QUOTE|
Step 3: Quote from at least 2 of the comparison sites below
|Name||Owner||Number of insurers||Quote
|Independent||40+||4 min 30 secs||GET QUOTE|
|Online comparison website comparing car, home, van and motorbike insurance|
|Part of the Admiral Group||84||3 min 30 secs||GET QUOTE|
|10% of customers saved at least £256.83 against their renewal price (Oct - Dec 12)|
|Compare The Market|
|BGL (Budget) Group||50+||4 min 20 secs||GET QUOTE|
|Insurance comparison site covering products from a selection of top insurance brands|
Step 4: Cut out the middleman - Direct Insurers you won't find on comparison websites
|Direct Line are one of the biggest insurance brands in the UK. As a pioneer of the direct insurance industry, Direct Line claim to sell cheaper home insurance direct to the customer refusing to work with comparison sites and urging customers to “cut out the middleman”.||GET QUOTE|
|Aviva are one of the largest insurance providers in the world. They joined Direct Line in pulling out of comparison sites and are so confident with the quality of their home insurance policies they list competitor’s prices on their website.||GET QUOTE|
Step 5: Pick up the phone and haggle
Step 6: Sign up to our newsletter
Step 7: Check out other types of insurance on our site
Home Insurance Guide
Hints and tips on home insurance
Home is where the heart is. It's also where most of your stuff is. Not to mention the small matter of being the roof over your head. It seems there's a lot to protect where your home is concerned - and that's why you need house insurance. House insurance is often known as buildings and contents insurance. That's because there is often two separate constituent parts involved. No bonus points for guessing what they are.
'Buildings' refers to the bricks and mortar of the house itself - and the garden, floorboards and wooden door frames. It's pretty much anything that constituents the structural make-up of the house. 'Contents' is everything you put in the house; all your worldly possessions, from your invaluable family heirlooms to your holiday-purchased tat.
Sometimes it works out cheapest and most effective to buy buildings and contents as two separately policies. Most of the time though, if you need both parts, it will probably be cheaper to buy them as a package, since the insurer will offer a discount when you take them both together.
Like with most different types of insurance, the home insurance market is a busy one. So much so in fact, that it's impossible to compare them by getting quotes from each individually. You'd be here until a week on Tuesday at the earliest. Therefore, Know Your Money suggests using the major comparison engines - those that allow you to fill in your details and get prices from dozens of the leading companies in one fell swoop. The different comparison services include different sets of companies, so don't just stop at one. There are also companies which choose to stay independent from then comparison checkers. We've listed out a couple of the major ones - make sure you check these too when weighing up your options to find the cheapest deal.
Remember, contents insurance will cover you up to a certain maximum value when you need to make a claim - the less you can claim for, the cheaper your policy. If you own anything particularly valuable, you may have to insure it separately.
Buildings cover will generally cover you up to the value of your house, but it's not guaranteed that all types of damage will be covered. If you live in an area that is particularly prone to floods, for instance, you might have to take out specialist insurance to cover this risk.
You will also need buildings insurance - but not necessarily contents - if you are a landlord, renting your house out for someone else to live in. on the other side of the coin, if you rent your home and don't own it, you'll only need cover for your contents.
Generally, there is no legal requirement for buildings or contents insurance, though your mortgage provider may stipulate it as a condition for the loan. Since your home is probably going to be the single biggest asset in your stable though, we'd suggest you don't tempt fate.If you want to know more about home insurance and how to get the best deal, click here for Know Your Money's home insurance guide.
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