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Over 50 Home Insurance

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Over 50 Home Insurance – Compare Cheap Quotes

If you’re the proud owner of a modern townhouse or a period property, you’re probably going to want to protect your house as much as you possibly can – after all, it is both an investment and the place you call home.

Home insurance can protect your home against a wide range of different ‘insurable risks’, including flooding, fires, storm damage, burglaries, break-ins and vandalism, which is why it’s always a good idea to ensure you have suitable insurance in place to protect your property if something goes wrong.

Of course, just because home insurance is a wise investment doesn’t mean you should pay over the odds for it – and if you’re looking for over 50s home insurance you’ll be pleased to hear that your age may well work in your favour in this regard.

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Why would being over the age of 50 affect the cost of my home insurance?

Insurance claims data suggests older policyholders are lower risk, and this is often reflected in cheaper over 50s home insurance.

There are a number of reasons older homeowners might be lower risk. For instance, they might spend more time at home than younger policyholders, which reduces the risk of a burglary or break-in.

Older homeowners have often been on the property ladder for longer too, and this additional experience of being a homeowner can help to reduce the risk of a home insurance claim as well. After all, someone who has owned their house for decades is probably more likely to know how to maintain their property in order to prevent flooding or other weather damage than someone who was used to getting a landlord to deal with this upkeep.

Finally, market research agencies have consistently found that homeowners in their 50s, 60s and 70s tend to be more security conscious than younger homeowners, which again can reduce the risk of a home insurance claim.

Is contents insurance cheaper for the over 50s too?

Not necessarily.

Some homeowners who are in their 50s or 60s have spent decades amassing high-end pieces of furniture, artwork, gadgets or other belongings, which means the total value of their contents is sometimes much higher than the contents owned by a younger policyholder.

It is possible this might sometimes translate into higher contents insurance premiums if you’re taking out a contents-only insurance policy, but if you opt for a combined buildings and contents insurance policy the higher value of your contents is likely to be offset by the lower insurance risk you represent as an older policyholder.

Does over 50 home insurance cover accidental damage?

No, whether you sign up for a building and contents insurance policy or just a contents insurance policy, most over 50s home insurance policies won’t include accidental damage cover as standard.

However, it’s usually possible to add this type of accidental damage home insurance to your over 50 home insurance as an optional extra, although you will usually have to pay a little more for this.

How can I find cheap over 50s home insurance?

First and foremost, you should shop around for the best deals and discounts by comparing insurance quotes from a wide range of different providers.

Beyond that, the following steps can sometimes result in cheaper home insurance:

  • Installing a home security system with alarms, glass-break sensors, and BSI-approved locks, which can help to reduce the premiums on both townhouse insurance and townhouse contents insurance policies
  • Agreeing to pay for the full year upfront, because annual policies are often cheaper than paying monthly.