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Insurance

Finding good deals on buildings and contents insurance

The importance of home insurance has been clearly emphasised during the summers of both 2007 and 2008 when the UK took the brunt of some severe storms which left thousands of homes with flood damage. With property, land and assets worth £214billion currently at risk of flooding in the UK, not to mention the risks posed by accidental damage and property theft, it`s clear that home insurance is crucial particularly with finances so tight during the credit crunch.

What do you need from a buildings and contents insurance policy?

There are numerous potential benefits to both buildings and contents insurance:

Buildings insurance
Designed to protect the structure of your home along with its fixtures and fittings against storm damage, falling trees, severe weather etc. A good buildings insurance policy will cover the rebuild value of your home - that is the cost to have the building completely rebuilt.
Contents insurance
Contents insurance protects the contents of your home, from carpets and curtains to furniture, ornaments and TVs. Benefits vary from provider to provider and can include cover for accidental damage, new-for-old replacements on items and protection against theft.

It`s important to think about the level of cover and the policy options you require - the more cover you take out, the more expensive the policy is likely to be - however, your home will be better protected as a result.

So who offers home insurance?

There are dozens of home insurance providers in the UK. Here are just a few examples along with their main features:

Barclays home insurance
Offers £55 cashback for combined buildings and contents insurance with new-for-old replacements on most items, cover to replace locks and to provide alternative accommodation.
Churchill home insurance
Includes a 25 per cent introductory discount along with a 24hr claims and emergency helpline, cover for business equipment and thefts from outbuildings.
Direct Line home insurance
Twelve months for the price of nine with a new policy. Cover includes new-for-old replacements of contents and an automatic increase around Christmas and weddings.
Endsleigh home insurance
Can include possessions protection ranging from £3,000 to £40,000 along with student possessions insurance that is approved by the National Union of Students.
LV= home insurance
Incorporates cover for frozen food, additional cover for Christmas and wedding gifts and cover for personal possessions taken outside of the home.

Where to find cheap buildings and contents insurance

Always shop online for home insurance as the majority of providers offer their best deals exclusively on the internet due to the reduced overheads. If you can find the level of cover you require for both buildings and contents insurance from the same provider, take out a combined policy as this will often earn an extra discount.

The simplest and most effective way to find cheap buildings and contents insurance is to use an insurance comparison website to compare quotes from multiple insurers. You simply enter your details and quotes are returned with the cheapest deal listed first. Remember to compare on policy features as well as price though, that way you can be sure you are getting the right level of cover for your needs.

How to protect your home from theft

Many home insurance providers will offer additional premium discounts if you take measures to protect your home against break ins. This can be done by fitting approved intruder alarms, installing security lighting and using window and door locks - ask your insurer to recommend products. You could save more cash if you install double glazing, a security camera or join a Neighbourhood Watch scheme - just remember to keep your insurer updated with any changes you make. [The offers quoted were available at the time of writing - 28/09/2008]