Below we have outlined the most common questions asked about home insurance. Please click on a question to get the relevant answer.

Do I need home insurance?
What are the different types of home insurance available and what do they it cover?
Where can I get home insurance?
How much will it cost?
What is voluntary excess?
Will the replacement cost match the sale price?
What doesn’t my policy cover?
How many home insurance quotes should I get?
How do I make a claim on my home insurance?

What doesn’t my policy cover?

Most insurance companies have clauses in their policies which means they will not have to pay out for war, terrorism or invasion, but it is a good idea to check your policy thoroughly to make sure you are covered as extensively as possible.
Buildings insurance policies will often exclude; wear and tear to the property, long periods of the house being empty, damage from flooding or subsistence if you live in a high risk area, damage or loss which occurred previously to your policy and deliberate acts by you or another person in your home.
Contents insurance will often exclude damage thanks to neglect (ie. Leaving your home unlocked), costs due to wear and tear, smoke damage and damage caused to your property by pets.

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