Home Insurance Quotes - Are You Comparing Like with Like?

Home insurance quotes can vary considerably from company to company. Things like the standard level of contents cover can be different as well as the excess you'll have to pay when you make a claim.

As you read through the rest of this article, you'll learn more about the things you need to pay close attention to in order to make sure your cheap home insurance quote is the best deal for you.

" Policy excess

A cheap home insurance quote might seem cheap at the time, but what about when you want to make a claim?

Many insurance companies will offer you a lower premium but hit you with a higher policy excess in the event of a claim.

Nobody can predict the future so it is a risk going with a lower monthly payment and a high excess, because you never know when you might have to pay it.

" Covering contents away from the home

With some home insurance companies you may be able to arrange contents insurance for items away from your home. This could include things such as laptops, mountain bikes, cameras and mobile phones.

These days with so much technology designed to be mobile, it pays to have contents cover on the move.

" Making a claim

Making a claim on your buildings or contents insurance can be a stressful time. Would you want to go with an insurer that's only available to help you during office hours?

It may not save you any money but choosing a home insurer that has a 24 hour call centre can certainly make things a lot more convenient if a flood occurs in the evening or early morning.
 
" Total price

When you're sourcing quotes for your contents and buildings insurance you need to consider the total price.

The price you see on screen may be the cost of paying for your home insurance up-front using your debit card. The true cost might be higher if you decide to pay by monthly direct debit if the insurer adds a significant amount of interest for this service.

" Level of accidental damage cover

Some people are naturally more accident prone than others. Also, if you have children and pets running around your home, the risk of accidental damage to your valuables will be higher.

Don't just assume you'll be covered for accidental damage, if it's a concern for you, make sure you ask if it's included in your home insurance policy or not.

Additional articles about CIS Insurance

About the author

The Co-operative Insurance is a leading provider of cheap home insurance quotes to tenants and homeowners in the UK which includes online discounts for combined buildings and contents insurance policies.

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