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Townhouse Insurance

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Townhouse Insurance – Compare Cheap Quotes

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The type of property you live in, and the size of that property, will obviously affect the cost of your home insurance, particularly if you’re taking out a combined buildings and contents insurance policy.

Of course, the size of the home isn’t the only variable insurance providers will use when calculating your premium, and if your town house happens to be located in a city centre or town centre where the crime rate is higher than average you could end up paying more for your townhouse insurance than someone who owns a much larger four- or five-bedroom property in the countryside might pay for a policy.

Insurance providers give different variables different weightings in their insurance premium calculations though, which is why it’s a good idea to compare quotes from a wide range of providers when you’re ready to insure your townhouse.

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Do I need townhouse insurance if I’m only renting the property?

It would still be a good idea to take out insurance even if you’re renting the property, although because you don’t own the building itself you would only need a contents insurance or tenants insurance policy rather than a buildings and contents insurance policy.

When you’re a tenant your landlord will usually 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 the contents of your townhouse.

Does townhouse insurance cover accidental damage?

No, whether you sign up for a building and contents insurance policy or just a contents insurance policy, most standard townhouse insurance policies won’t pay out if your property or its contents are damaged accidentally.

However, it’s usually possible to add accidental damage cover to your townhouse insurance as an optional extra, although you might have to pay a little more for this.

Is it true I’ll get cheaper townhouse 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 townhouse.

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 companies 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 deals.

How can I find cheap townhouse insurance?

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

Beyond that, the following steps can sometimes result in cheaper townhouse 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.