Owning a home can be an expensive affair, which is why it’s important to make sure you’re not stung for additional expenses when something goes wrong by taking out a comprehensive home insurance policy to protect your property and belongings.

Although there are lots of home insurance providers on the market, it can be difficult knowing how to find the right cover for your needs. That’s why Coast has put together some top home insurance tips to help you find comprehensive protection at a great value price.

  • Be realistic about your excess. A higher excess means a lower premium, but remember you’ll have to pay it in the event of a claim
  • Check if any specific claims have a higher excess e.g. escape of water
  • Calculate the value of your possessions correctly – go from room to room and add up approximately how much everything is worth. That way you won’t end up underinsuring your contents
  • If you have any valuable items, make sure the single item limit is high enough to cover these
  • Look into what’s included in the accidental damage clause as some mishaps – such as damage incurred during the cleaning of an item – might not be covered as standard
  • You might want to insure some items away from the home as well as including them in your general contents cover
  • Check whether the policy includes small but helpful features such as cover for lost keys or financial compensation for defrosted foods following a freezer fault
  • Pay attention to the protection offered for garden furniture and items stored in sheds or outbuildings
  • One major variable is bicycle cover, so look into the limit and make sure it’s sufficient if you’re a cyclist

The best way to make sure all your requirements are covered is to speak to an insurance expert and get a quote. At Coast, we offer a personalised home insurance quotation service – and as we’re not on price comparison websites, we can offer you the best price directly.

To get a home insurance quotation call Freephone 0800 0234 843. We also offer online home insurance quotation requests.

 

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