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No, unlike some other types of insurance, there is no upper age limit to home insurance. If anything being older can be a benefit as you may be able to get a cheaper quote, here's some reasons why;
If you've had a policy for a number of years and not made a claim you may have a tidy no claims discount which could save you a decent amount on your premiums. Some insurers will offer savings of 40% or more if you have 5 years of no claims.
There are a number of companies that you will be eligible for that the younger generation won't be. This means you have a wider choice of policies to choose from, but don't look exclusively at these companies as you may miss out on the best policy.
Statistically over 60s are a safer bet to insurers as they make fewer claims, live in areas with lower crime rates, and are more careful with their possessions.
All of these things mean that insurers want over 60s as customers and are willing to offer them the best policies to get them. Do keep in mind that your personal home insurance policy will be tailored around your specific circumstances.
Now that you're into your 60s the home insurance cover you need will be different than when you were younger.
If you have a family home and all of the kids have flown the nest and taken their valuables with them you could save money by reducing the cover of your contents policy. Or you may be looking to downsize in which case there will be potential savings in buildings and contents insurance.
On the flip side you may have more personal belongings now you're older and the cover you have may not be sufficient to cover everything.
It may be worth doing a thorough assessment of the belongings you have in your home to ensure the amount of cover you have is sufficient.
You may be lucky enough to have retired, and for many retirees travel is great way to spend their new found free time. This could mean that you're leaving your property empty more than you used to. Most policies won't cover your home if it's left empty for more than a few weeks, so make sure you're not leaving your home unprotected. There are clauses out there that cover up to 60 days unoccupancy that could be worth looking out for.
Your garden may have been something that suffered when you were younger, but if you have discovered your green fingers now you're in your 60s you may want to increase the garden cover on you policy so that it's protected against damage and theft.
Another way to ensure you are getting the best policy is to have a think about the additional policy features available.
This cover protects you against those inevitable clumsy moments and will come as standard with some policies but you may need to pay extra for it on others.
This will mean a skilled tradesman will be sent out to your property in the event of an emergency such as burst pipe or boiler breakdown. This will be an add-on that you will need to pay extra for on most policies so have a think about whether this cover will be worth the additional outlay.
This cover will protect you financially should you need to go to court over something to do with your property. This could be something like personal injury or a boundary dispute with your neighbour. Hopefully this is something you'll never have to use but could be worth having.
Now that you've had a think about the things you may need to change, include, or remove from your home insurance policy you're ready to find the best policy for you, and the cheapest home insurance for over 60s that fits your needs.
If you have existing cover in place, contact your provider and discuss any changes you need to your policy to see if they can offer you a good deal.
You can then take this and compare what's on offer using our home insurance over 60 comparison to find the policies that suit your needs and get quotes that offer everything you need at the best possible price.
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