What do I need to run a home insurance


Insurance for your home includes contents insurance and buildings insurance, so that your belongings and your bricks and mortar are protected against fire, flooding, storm damage and theft
When applying for home contents and buildings insurance, you will need the following information:

Details about your property:

  • Your address and property type (eg semi-detached or terraced)
  • Number of rooms
  • When your home was built
  • What percentage of the roof is flat (we’ll help you work this out)
  • Number of occupants and when they tend to be home 

Rebuilding cost and value of contents

  • Based on your postcode, we’ll suggest a figure for the cost

Security at your property: 

  • What lock types are on the windows and doors at your home?

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How to cut the cost of home insurance

MoneySuperMarket data found the average cost of home insurance (combined) in autumn 2016 (September to November) was £105.
Here are our top tips on how to reduce the amount you pay for cover: 
  • Shop around: Compare quotes from different insurers to ensure you are getting the best price. Market research company, Consumer Intelligence, found that 51% of customers could save up to £72 when comparing policies through us.    
  • Increase your excess: The higher the excess, the lower your premium will be. Make sure the amount you choose is affordable should you need to make a claim.
  • Pay annually: Interest charges are often added when you opt for monthly payments, so paying annually could reduce the amount you pay overall.
  • Build your no claims bonus: Insurers offer discounts if you have a claim-free history, in some cases up to 50% off.   
For more tips, read our money-saving guide.


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