What is a home insurance quote UK?
A home insurance quote UK is a price given for home insurance offered in the United Kingdom. Home insurance is a way of protecting your home financially, and will protect both the structure of your home, and the contents of the home.
A home insurance quote UK includes both contents insurance, which looks after the contents of your home, and buildings cover, which looks after the structure of your home.
Why do I need a home insurance quote UK?
Home insurance is not a legal requirement of owning or living in a home, unlike car insurance which is a legal requirement of driving a car in the UK, but should your home burn down, or your house be burgled, without it you will not get any financial compensation.
Whilst the chances of your home burning down may be relatively small, your mortgage will not burn down with the home, and the lender will continue to expect payment, even if you do not have a home to live in anymore.
Types of home insurance quote UK?
There are two main different elements that make up a home insurance quote UK. Contents insurance, which covers the contents of your home, including the carpets, furniture, appliances and any clothes and shoes you have, and the buildings cover, which looks after the actual structure of the home, including the windows, doors, walls, roof and tiles.
Buildings cover also includes any outbuildings, like a garage or shed, and any fixed internal structures, like a built in wardrobe, kitchen units and worktops, and your bathroom suites.
Not every customer will need both elements of a home insurance quote UK, as they may not be responsible for both the contents, and the structure of their home. Those who rent their homes will be responsible for the contents of the home, whilst their landlord will be responsible for the buildings cover on the home.
The most common part of a home insurance quote UK is contents insurance, which looks after everything from your carpets to your wardrobe, your fridge to the food in your freezer, and your television to the contents of your bathroom cabinet, and the cabinet itself.
Contents cover is often underestimated, so be sure to add up the value of your contents a room at a time, based on the cost to replace that item at today’s prices.