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Compare - Home and Contents Insurance Quotes
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ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
Rebuild Cost£50,000

40% no claim discount if you have been claim free for five years or more

Smaller discounts apply if you have been claim free for between one and four years. Discount doesn’t apply to home emergency or legal cover options. Minimum premiums apply.

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£1 million£100,000

Over 50s Home Cover - Buildings and contents insurance from £141 a year – 51% of customers who paid annually and took out a new policy between May and July 2015 paid this or even less

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£1,000,000£150,000

Great value 'Defaqto' 5 Star rated cover. £1 million cover if you need to rebuild your home, choose up to £150,000 for your contents cover, 24-hour UK emergency helpline

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£500,000£60,000

5 Star Defaqto award-winning insurer.
Pay monthly at no extra cost (0% APR Representative). Low excess of just £45 (apart from escaping water and subsidence). No hidden admin fees. 'New for old' cover. Age UK Home Insurance is administered by Ageas Retail Limited and provided by a limited panel of insurers.

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Unlimited£100,000

Existing customers only

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UnlimitedUnlimited*

Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

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VariesVaries

Get quotes from over 65 trusted home insurance brands in minutes. 20% of consumers could achieve a saving of £158 with Gocompare.com (based on independent research by Consumer Intelligence during 1 October to 31 October 2016)

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*There is no total sum insured, but other limits apply including single article and total valuables limits.

** Up to 50% offer includes introductory 25% discount applied to annual home insurance premium and not to additional extras. £30 gift card applies when purchasing new combined cover.

***99% of people who had a buildings and contents quote during May 2012 received a discount of at least 15%.

♦ Not available to customers renewing their existing cover

 ****Discount applies when you buy buildings and contents together. 30% combined and 20% online discount deducted consecutively. Excludes optional covers. Minimum premiums apply. New customers only.

Is Confused.com home insurance right for you?

Looking for a great home insurance deal? Try the Confused.com home insurance service. While they don’t offer their own insurance, Confused.com has a simple to use comparison service which will compare prices from over 80 home insurance providers to find you their best deal.See below for advice about home insurance.

 

What is Home Insurance?

Home Insurance is a non-compulsory form of property insurance which is designed to protect against damage to your property or to the belongings within your home.

 

Various policies exist which range from a basic cover of the structure of the property to also covering your content and liability coverage against accidents. There are many providers of home insurance, so make sure you look around for the one most suited to your needs.

 

What Can be Insured?

Home insurance can be very basic or cover a lot more depending on your provider and what polices you take out.

 

The two main types are of home insurance: buildings cover and contents cover. You can normally purchase these separately or as a joint policy, depending on your personal requirements.

 

Building Cover

This covers the actual structure of the building such as the walls, windows, floor and roof. It will also include permanent features such as the kitchen and bathroom fixtures and fittings.

 

Policies do vary, but this kind of cover will normally insure your property against flooding, burst pipes, theft, fires and weather damage. Extra cover can normally be added if you need and many people like to also take out accidental damage cover for additional peace of mind.

 

Contents Cover

Most families will have contents in their property valuing over £20,000. Many families have a great deal more. The idea of replacing these items due to flooding, theft, leakage, natural disasters is a worrying thought for many. Contents insurance removes this worry. It will normally cover everything from jewellery to carpets, curtains, and electronic devices.

 

Always read your policy carefully because every insurer will have a limit on what they are willing to pay out, so make sure your policy is adequate to cover everything you need it to.

 

What to look for when choosing home insurance

When you are choosing home insurance, there are many things to consider. We have looked at some of the key questions you should ask yourself when picking a policy to make sure you have all of the appropriate cover for your home.

 

Is your property specialist?

If you own a listed building or if your property has an unusual feature such as a thatched or flat roof, you may need specialist cover.

 

Do you need buildings and content cover?

It’s generally advised that you take out both but it does depend on your individual circumstances.

 

Does the policy provide enough cover for you?

All policies have their limits and it’s wise to make sure that your home is covered for the rebuild value rather than the market value. Make sure to comprehensively cost your contents to make sure the policy will be enough to cover it all. Most people vastly underestimate how much their home contents are worth.

 

What is New for Old and do I need it?

New for Old cover for your possessions is worth considering. It is offered as standard in many contents policies now, but make sure to check this. New for Old simply means that you will receive a similar but new product to the old item, rather than the value of the old one.

 

What excess are you able to pay?

Many home insurance policies come with excess charges, both voluntary and compulsory, so make sure your chosen provider’s excess policy works for you.