How To Choose The Best Uk Home Insurance For Your Needs

Home Insurance Premiums Rise In 2016 AIB Insurance
Home Insurance Premiums Rise In 2016 AIB Insurance from

Finding the right UK home insurance can be a tricky process. With so many different providers and policies to choose from, it can be difficult to know where to start. In this article, we’ll explore some of the key factors to consider when looking for the best UK home insurance policy for your needs. We’ll also look at the different types of coverage available and how to compare different policies so you can make an informed decision.

Types of UK Home Insurance

There are two main types of UK home insurance: buildings and contents. Buildings insurance covers the structure of your home, including the walls, roof, and any permanent fixtures. This can include outbuildings, such as a garage or shed. Contents insurance covers the belongings inside your home, such as furniture and electronics. Many home insurance policies cover both buildings and contents, but you can also buy them separately.

Factors to Consider When Choosing UK Home Insurance

When looking for the best UK home insurance policy, there are several factors to consider. First, it’s important to understand your needs. What kind of coverage do you need? Does the policy cover any outbuildings? Does it include personal liability coverage? How much excess do you have to pay? These are all important questions to ask when choosing a policy.

It’s also important to compare different policies and providers. Different providers may offer different levels of coverage and different excess amounts, so it’s important to compare policies to find the one that’s right for you. Additionally, you should consider the level of customer service offered by the provider, as well as any discounts or special offers available.

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Additional Coverage to Consider

In addition to the standard buildings and contents coverage, there are other types of coverage that you may want to consider. For example, accidental damage insurance covers any damage caused by an accident that is not covered by your standard policy. You may also want to consider emergency cover, which provides emergency assistance in the event of a major incident, such as a fire or flood. Other coverage to consider includes legal expenses insurance, which covers legal costs if you need to make a claim or take legal action, and personal possessions insurance, which covers your belongings if they’re taken away from your home.

Comparing Quotes

Once you have a good understanding of the types of coverage you need and the additional coverage you may want to consider, you can start comparing quotes from different providers. Many providers offer online quote comparison tools, which allow you to compare policies side-by-side and find the one that best meets your needs. Alternatively, you can contact different providers directly for a quote.

Making a Claim

When it comes to making a claim on your UK home insurance policy, it’s important to act quickly and provide all the necessary information. You should contact your provider as soon as possible to start the claims process. You may also need to provide evidence of the damage or loss, such as photos or receipts. The claims process can take some time, so it’s important to be patient and follow up with your provider if necessary.


Finding the right UK home insurance policy can be a daunting task, but it’s important to take your time and compare different policies before making a decision. Consider your needs and the different types of coverage available, and compare quotes from different providers. By taking the time to find the right policy, you can ensure you’re properly covered and protect your home and belongings.

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