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Cheap Pay Monthly Home Insurance

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Pay Monthly Home Insurance – Compare Cheap Quotes

If you’re a homeowner there’s a good chance your house, apartment or flat will be one of the biggest investments you’ll ever make, which is why it would be a wise idea to protect that investment with a suitable home insurance policy.

But if money is tight the annual premiums for the best home insurance policies might seem like more than your wallet can handle. Luckily, many home insurance providers have a solution that is designed to help you spread the cost – pay monthly home insurance.

Compare pay monthly home insurance quotes now

Does it cost more to pay for home insurance monthly?

Yes, you’ll usually pay a bit more overall if you opt for a monthly payment plan for your home insurance policy, because your insurance provider is essentially arranging a line of credit for you that allows you to pay the premium off over the course of the year.

Since that credit line will usually charge interest you’ll end up paying more overall, although exactly how much more this type of pay-monthly home insurance policy will cost will depend on the interest rate on your payment plan.

Is home insurance a legal requirement in the UK?

No, home insurance isn’t a legal requirement, but if you have a mortgage on your home there’s a good chance it might be a contractual requirement. Most mortgage lenders include a clause in their mortgage agreements that require homeowners to take out home insurance for the mortgaged property.

Of course, even if your own lender doesn’t impose this contractual obligation – or if you’ve paid off your mortgage and now own your home outright – it’s still a good idea to look into home insurance quotes, even if you have to opt for a pay-monthly home insurance policy in order to spread the cost.

How do I go about finding monthly home insurance policies?

When you use Quotezone.co.uk’s home insurance comparison service you will be able to specify whether you’d prefer to pay monthly or yearly. If you choose the pay monthly option the insurance providers that offer a monthly home insurance payment plan will then be displayed at the top of your quote results.

What else can I do to find cheaper home insurance?

While paying for home insurance monthly can help to spread the cost it usually will increase the total premium, but there are a few other things you can do that might increase your odds of finding home insurance deals or discounts.

First and foremost, compare home insurance quotes from a range of providers through a site like Quotezone.co.uk, because renewal quotes are often much more expensive than the premium you might be offered by an insurer you haven’t used before.

Agreeing to a higher voluntary excess on your contents or building and contents insurance could also reduce your premium a little, although it’s important to ensure you aren’t leaving yourself short just to knock a few pounds off your upfront costs.

Finally, having an insurer-approved alarm security fitted might help to reduce your quotes a little, provided the alarm is fitted by a certified professional – self-installed alarms might make your home more secure, but they often won’t lower your premium.