M&S Home Insurance

Compare M&S Home Insurance With UK Market

M&S Home Insurance

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. Contents insurance will protect your possessions against theft or damage. Most families underestimate the sum total of their belongings with an average household containing possessions totaling approximately £25,000 or more. There are many providers of home insurance so make sure you look around for the one most suited to your needs.

M&S Home Insurance Review

• Save 20% when you buy online – which includes renewals and optional extras
• Defaqto 2016 5 star award

There are two cover options, standard or premier. All of the below are included in the standard and premier policies:

•  Cover for your home and garden
•  New for old cover on all replaced contents
•  Pedal Cycle Cover at home
•  Theft of damage of plants and cover for garden furniture and equipment as part of the contents insurance
•  Replacement locks and keys
•  Alternative accommodation – as part of your cover, you’ll be given somewhere to stay if your home is uninhabitable after serious damage
•  Pay using monthly instalments at no extra cost
•  Ability to change your excess
•  Flexible claims, including cash or cash equivalent

You can also add legal expenses cover to either of the below policies:

Standard Home Insurance

Includes all of the above and:

•  Buildings Cover – Up to £1,000,000
•  Contents Cover – Up to £100,000
•  Optional – Accidental damage.

Premier Home Insurance

Includes all of the above and:

•  Buildings Cover – Unlimited
•  Contents Cover – Unlimited (inner limits apply)
•  Accidental damage – from paint spills on the carpet to knocking a nail through a pipe
•  Storm damage to gates and fences
•  Accidental damage to freezer contents. For example, in the case of a power cut.
•  Protection of visitors’ belongings
•  Students’ possessions are protected for when your children are at university or college
•  A dependent relative’s possessions are protected when they’re in a residential care home.

Why do I need Home Insurance?

No one expects their home or contents to come to any damage and so very few people are financially prepared for an emergency or theft. Repairing your home or rebuying lost contents can be expensive so it can be a relief to know you’re covered given any eventuality. It’s important to work out whether you need both buildings and contents insurance as it is possible to take out a policy focusing on only one of these rather than a joint policy.

It’s also worth noting that some properties, such as listed buildings or buildings with thatched roofs, may require specialist cover and therefore, would not be covered by a standard policy. Make sure you always read the fine print of policies well as more and more companies are now excluding certain things which you may need.