Home Insurance Ratings

The advent of the internet has meant that it is far easier for consumers to both give their own home insurance ratings on products, and to access other people’s.  These opinions and experiences can be a valuable tool to people who are in the process of comparing different home insurance quotes.

Because there are so many different insurance providers in the market place there are wild discrepancies in the levels of cover offered and the array of additional benefits that consumers can obtain. You can use our website to compare features and form home insurance ratings to help you choose the right deal for you – either get quotes from across the market with a price comparison website, or compare the latest online discounts from our selection of leading providers.

While the price comparison websites can offer you information on the majority of the market players, there are certain providers who do not allow themselves to be featured in these websites. This means that consumers may miss the best deals.
We have decided to provide consumers with a quick and simple way of rating home insurance policies; see above.

Buildings cover
Consumers may want to compare different buildings insurance policies along the following lines:

• What provisions the policy makes for emergency repairs, such as a 24 hour emergency phone line and quick access to builders or other tradesmen.
• The minimum level of excess that is required and whether this can be voluntarily increased to reduce premiums.
  Does the policy allow for the cost of alternative accommodation should a property become temporarily uninhabitable?

Contents cover
Points to consider when rating home insurance policies or quotes against one another include:

• Are there any limits to the amount of single items or valuables that can be insured?
• Are the possessions covered outside the home?
• What is the extent of the accidental damage cover provided?
• Is there assistance if keys are lost or stolen?
• Does the policy provide for legal expenses cover if it is needed?