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Home Insurance for Over 60’s – Compare Cheap Quotes
If you’re a homeowner in your 60s you’ll be pleased to learn that your age is likely to work in your favour when it comes to insuring your home, because insurance claims data suggests policyholders in their 60s represent a lower home insurance risk than young policyholders.
Of course, just because home insurance for over 60s is often cheaper doesn’t mean you should automatically accept your existing provider’s renewal quote. By shopping around and comparing quotes from a wide range of insurance providers you stand a far better chance of finding over 60s home insurance at a truly great price.
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Why would my age affect the cost of my home insurance?
Insurance claims data suggests older policyholders are lower risk, and this is often reflected in cheaper home insurance for over 60s.
There are a number of reasons why homeowners in their 60s might be lower risk. For instance, on average these policyholders tend to be more security conscious than young homeowners, which can help to reduce the risk of a burglary or break-in.
Many over 60s spend more time at home than younger policyholders too, particularly after they’ve reached pension age and retired from their jobs, and this can also serve as a deterrent for burglars and thieves.
Finally, many people in their 60s have been homeowners for decades, which means they may often have more experience taking the necessary steps to ensure their home is well maintained and protected against inclement weather conditions.
Is it true I’ll get cheaper over 60s home insurance if I upgrade my home security system?
It’s not a hard and fast rule, but some insurance providers may be willing to offer you a home insurance discount if you upgrade the security features in your home because those upgrades could reduce the risk of a burglary.
However, there are many different types of home security systems, ranging from perimeter sensors and intruder alarms to motion-sensor lights and CCTV, so it’s important to check with your own insurance provider to confirm what types of security systems might have an impact on your premium.
It’s also important to bear in mind that insurance providers will sometimes insist that a security system must be installed by a certified security installation specialist, so a self-install alarm system might not help you find better home insurance discounts.
Does over 60s home insurance cover accidental damage?
No, most over 60s home insurance policies don’t include accidental damage cover as standard, although it is usually possible to add this type of cover to your policy for a relatively small fee.
How can I find cheap home insurance for over 60s?
Beyond that, the following steps can sometimes result in cheaper home insurance quotes:
- Installing a home security system with alarms, glass-break sensors, and BSI-approved locks, which can help to reduce the premiums in some cases because they should reduce your risk of a break-in
- Agreeing to pay for the full year upfront, because annual policies are often cheaper than paying monthly.