Home Insurance

Have your building and contents insured under one policy

Kompare will assist you every step of the way. We work and kompare prices from the UK’s leading home insurers so you don’t have to.

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  Buildings
  Contents
  Combined

Home Insurance will protect you from events such as fire damage to your home, or theft of your belongings. If your home is damaged or destroyed in a fire, having the right insurance will mean that your insurance provider will pay to replace your belongings and repair / rebuild your home.

If you own your home and have a mortgage, you’re responsible for both buildings and contents insurance. It’s worth having both on your policy so you’re covered for all eventualities.

However, if you rent your property you will only require contents insurance. Your landlord will be responsible for your buildings insurance. You can purchase buildings insurance or contents insurance. They can both be bought separately or together.

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Have your building and contents insured under one policy

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What Are The Different Levels Of Cover I Can Purchase?

When taking out a home insurance policy, you’ll be asked which type of cover you’d like to purchase. There are three levels of cover. Here are your options:

Buildings

This will help cover the cost of repairing or rebuilding the structure of your home if it’s damaged by an event that you’re insured for (e.g. fire, flood, storm etc.). It can also help with outside structures that are connected your home, such as garages and fences.

Contents

Contents insurance will help cover the costs of replacing your possessions in your home if they’re stolen, destroyed or damaged. It can be bought as a single policy. However, it is usually combined with buildings insurance unless you’re renting a property. If you are renting, your landlord will take responsibility for purchasing your buildings insurance.

Combined

This is a combination of Buildings and Contents insurance, and unsurprisingly the most popular policy to purchase. A combined policy will help cover you financially in the event that your home or belongings are damaged or destroyed. Your insurer will pay to replace your belongings and repair your home.

Unsure About Which Cover You Need?

If you’re unsure about which policy you need to take out, you can give one our specialist agents a call on 0800 812 1000 and they’ll be able to assist you with any questions that you may have. Alternatively, you can request for us to call you at a convenient time.

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Cheap Home Insurance

Have your building and contents insured under one policy

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Frequently Asked Questions

We understand that taking out home insurance can seem quite daunting. That’s why we’ve put together a collection of FAQs to answer any questions that you may have.

It’s not a legal requirement, but it definitely wise to take out a home insurance policy. It means that you have protection for your property and belongings in the event of a disaster or a break-in. If you own your home and have a mortgage, then your mortgage provider may insist that you take out buildings insurance for the length of your mortgage.
Buildings insurance covers the physical structure of your home, which includes walls, roof and floors. On top of this, it can also cover outside structures such as garages and fences.
Contents insurance will cover the contents inside your home; such as furniture, clothes and any personal possessions you wish to cover under your policy.
If you’re about to start any major or structural home improvements, you will need to alert your insurer as soon as possible. If you fail to tell them, it could invalidate your cover. However, you do not need to tell them about any minor improvements such as painting or a new carpet.
You can lower the price of your home insurance a few different ways. For instance, having security measures in place (installing home burglary and smoke alarms, adding locks to doors and windows) will help lower the cost of your premium. Increasing the excess in your policy will also help with this as well. If you’re unsure about how you can lower the cost of your policy, contact your insurer and they’ll be able to advise you.