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Compare Home Insurance

Last Updated 4 Jul 2008
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Compare home insurance quotes from the leading UK providers, find the best deal to protect your house and save on quality buildings and contents cover in minutes. Our comparison tables make it easy for you to find the best insurance protection for your property for less.
Online
Discount
No Claims
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Direct
Insurer
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Cover Away
From Home
Direct Line - Enjoy free accidental damage cover on their contents insurance. Online discount up to 25%.
Direct Line25%NoneYes8%£7,500Quote
Churchill - Up to 25% discount when you take out buildings and contents insurance together online.
Churchill25%NoneYes8%10% sum assuredQuote
Go Compare - Gocompare.com – the right home insurance at the right price, why gocompare anywhere else?
Go CompareNoneNoneNoquote requiredquote requiredQuote
Lloyds TSB - 15% discount when you buy online with optional monthly interest free payments.
Lloyds TSB15%Up To 30%Yesnil15% sum assuredQuote
MORE TH>N - When you buy MORE TH>N buildings insurance they'll give you the contents cover for FREE.
MORE TH>N25%NoneYesnil£1,500Quote
Saga - Save up to 1/3 on your home insurance. High levels of cover at low prices for those over 50.
Saga22%Up To 15%Yesnil£5,000Quote
Barclays - Save 10% online when you take out Barclays comprehensive home insurance cover.
Barclays10%NoneYesnil£2,500Quote
Birmingham Midshires - £75 Cashback if your combined house insurance renewal quote is cheaper. Unlimited buildings cover.
Birmingham MidshiresNoneNoneYesnil1000Quote
Prudential - 20% online discount, up to 30% no claims discount and £250 Home Emergency cover as standard.
Prudential20%Up To 30%Yesnil5000Quote
NatWest - 10% online discount plus 15% extra off in the first year.
NatWest25%NoneYesnilquote requiredQuote
Tesco - Clubcard customers can get up to £60 off shopping or fuel at Tesco when they buy home insurance online before 23/07/08.
TescoNoneNoneYesquote required£5000Quote
Norwich Union - Get half price home insurance cover with Norwich Union if you have 5 or more years no claims.
Norwich Union15%Up To 30%Yes8%£10,000Quote
Co-operative Bank - Up to 40% no claims discount and monthly payment options.
Co-operative Bank10%Up To 40%Yesnil5000Quote
Endsleigh - Endsleigh searches a panel of leading insurers to find you their best insurance deal!
EndsleighNoneNoneNoquote requiredquote requiredQuote
Budget - Save up to £153. Accidental damage to your home entertainment included as standard (t&c).
BudgetNoneNoneNoquote requiredquote requiredQuote
eSure - Further discounts when Buildings & Contents taken together. No claims applies to contents only.
eSureNoneUp To 45%Yesnil£1,500Quote
The AA - The AA will refund up to £50 when you switch if your current buildings and contents insurers charge you.
The AA30%NoneNo24.9%£5,000Quote
Halifax - Up to 30% No Claims Discount
Halifax35%Up To 30%Yesnil£5,000Quote
Nationwide - 20% off your buildings & contents insurance when you buy them together online, plus a further 10% online discount.
Nationwide30%NoneYesnil£5000Quote
Adrian Flux - A leading specialist broker that deals with over 30 insurers to find the best quality, yet cheap, policy.
Adrian FluxNoneNoneNoquote requiredquote requiredQuote
   
Displaying 1-20 of 20 home insurance that meet your search criteria.

Read More About Home Insurance...

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Home Insurance Explained

By Daniel Calloway
Published on 30 Nov 2007
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We explain why you need home insurance and what makes a good policy.

Home insurance provides you with financial protection in case of theft or damage to your property or possessions. Home insurance can be divided into two aspects, buildings insurance and contents insurance. A common analogy used to differentiate between the two is that if you turned a house upside-down, everything that fell out would need to be covered by contents insurance, whereas all the permanent fixtures that remained would be covered by buildings insurance.

Buildings insurance is an essential for homeowners because, as a means of securing their investment, the majority of mortgage lenders require a borrower to have sufficient buildings insurance in place to cover the rebuild (as opposed to market) value of their home. In addition to the property itself, outbuildings such as garages as well as permanent fixtures such as bathroom suites and fitted kitchens are usually covered under buildings insurance.

Contents insurance is required by both homeowners and renters alike as a means of protecting furniture, white goods, electrical appliances, clothes and other items kept in the home. The basic level of contents cover offered is called indemnity insurance, this is where an insured item is replaced with an item of the same age. Most people choose a higher level of insurance, known as new for old cover, which although slightly more costly, will pay for an insured item to be replaced with a brand new version if a claim is made.

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Most insurance companies offer optional add-ons to home insurance policies which are ideal if a more comprehensive level of cover is needed. These add-ons include accidental damage cover, legal cover, emergency assistance and garden or sports equipment cover to name a few.

It is important to check that the level of cover you choose for your home insurance is sufficient to cover the rebuild of your home and the replacement of all of your possessions. It is also worth checking whether there are any limits placed on the amount that will be paid out for each item and also whether possessions are covered when they are taken outside the home.

Many insurance companies offer joint policy discounts if buildings and contents insurance are taken together. However, it is best to choose a home insurance policy for the level of cover it provides rather than the amount it costs. With a good home insurance policy in place whether you own your own home or rent a property you can be confident that if the unforeseen should happen, your possessions will be covered.

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Saturday, 5th July 2008
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