Home Protection Insurance
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Protect Your Home with the Right Insurance – Compare Cheap Quotes
If you’re the proud owner of a modern townhouse, a city apartment 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. You usually won’t be covered for normal wear and tear, of course, and if you’d like to protect your home against the risk of accidental damage you’d usually need to add this to your policy as an optional add-on, but in any case a good building and contents insurance policy is a wise investment to protect your home.
Do I need home insurance if I’m only renting the property?
It would still be a good idea to protect your contents by signing up for a contents-only home insurance policy, but you wouldn’t have to extend this protection to the building itself since that would be your landlord’s responsibility.
In most cases your landlord will take out landlords’ insurance to insure the building and any contents they might provide to their tenants (assuming they rent it on a furnished basis of course), while you will have to take out tenants insurance to protect your contents.
Does home insurance usually protect against accidental damage?
No, whether you sign up for a building and contents insurance policy or just a contents insurance policy, most standard home insurance policies won’t protect you against the risk of accidental damage.
However, it’s usually possible to add accidental damage cover to your home protection insurance as an optional extra, although you will usually have to pay a little more for this.
Is it true I’ll get cheaper 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 protect your home by upgrading your home security solutions.
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 while a self-install alarm system might be enough to protect your home it’s possible it might not help you find better home insurance deals.
How can I find cheap insurance to protect my home?
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 by protecting your home against burglaries and break-ins
- Agreeing to pay for the full year upfront, because annual policies are often cheaper than paying monthly.