Home Insurance Protection
Compare home insurance quotes and protect your property with comprehensive cover
Get Insurance QuotesWhy You Need Home Insurance
Your home is likely your biggest financial asset, and protecting it with comprehensive insurance is essential. Home insurance covers the cost of repairs or rebuilding after fire, flood, storm damage, theft, or accidental damage. Without adequate cover, a single incident could cost tens of thousands of pounds.
Most mortgage lenders require buildings insurance as a condition of your loan. Even if you own your home outright or rent, contents insurance protects your belongings. Homemove helps you compare quotes from leading UK insurers to find comprehensive cover at competitive prices.
Types of Home Insurance
Buildings Insurance
Covers the structure of your home including walls, roof, floors, fixtures, and permanent fittings. Essential for homeowners and required by mortgage lenders.
Covers: Fire, flood, storm, subsidence, malicious damage
Contents Insurance
Protects your possessions including furniture, electronics, clothing, and valuables. Covers theft, damage, and loss both at home and away.
Covers: Theft, accidental damage, personal possessions
Combined Cover
Buildings and contents insurance together, often at a discounted rate. Convenient single policy with one renewal date and one insurer to deal with.
Benefits: Cost savings, simplified management
Understanding Your Cover
Rebuild Costs vs Market Value
Buildings insurance should cover rebuild costs (often higher than market value) not the property's sale price. Use the ABI rebuild cost calculator to get accurate figures. Under-insuring risks inadequate payout after major damage.
New for Old vs Indemnity
New for old cover replaces damaged items with brand new equivalents. Indemnity cover deducts depreciation, paying less for older items. New for old costs slightly more but provides better protection.
Accidental Damage
Optional cover for accidents like spilling red wine on carpet or dropping your TV. Basic policies exclude accidental damage, so add this cover if you have children or valuable items.
High-Value Items
Standard contents policies limit individual item values (typically £1,500-£2,000). Specify expensive jewellery, watches, art, or electronics separately to ensure full coverage.
Protect Your Home Today
Compare home insurance quotes from leading UK insurers and find comprehensive cover at the best price
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