Home Insurance
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What is Home Insurance?
Home insurance safeguards your most valuable asset—your home—by covering the cost of repairing or replacing damage or losses. Whether it’s protection against fires, storms, theft, or floods, our policies are designed to give you peace of mind.
At Im Insured, we offer a range of options including buildings insurance, contents insurance, or a combined policy that covers both.
UK-based experts can help explain how it all works
Compare Van Insurance from 60+ Insurers
Save up to £622 when you insure your van with us. At Im Insured, we offer you the ability to compare quotes from over 60 leading van insurance providers. Our extensive network ensures that you can find the best coverage tailored to your needs, whether you're a sole trader, a fleet manager, or a van owner for personal use.
Types of Home Insurance Policies
When you choose to compare van insurance with Im Insured, you benefit from:
Building Insurance
Covers your home’s structure, including fixtures, fittings, outbuildings, and boundaries like walls and fences.
Contents Insurance
Protects your belongings within the home, such as furniture, electronics, and valuables.
Combined Buildings and Contents Insurance
Offers comprehensive coverage in one easy-to-manage policy, often at a lower cost than purchasing separately.
Optional Extras for Home Insurance
Accidental Damage Cover
Protects against unforeseen accidents in your home, like broken windows or cracked tiles.
Bicycle Cover
Protects your bike from theft or damage while stored at home.
Home Emergency Cover
Offers immediate assistance for urgent repairs that impact your safety, like burst pipes or heating failures.
Legal Costs Cover
Covers legal expenses related to property disputes.
Alternative Accommodation Cover
Provides temporary housing if your home becomes uninhabitable due to events like floods or fires.
Personal Possessions Cover
Extends coverage to items like mobile phones and laptops, even when you’re on the go.
Do I Need Home Insurance?
While not legally required, home insurance is often mandatory for mortgage agreements. Whether you own, rent, or manage a property, having the right coverage can save you from significant financial loss.
Types of Specialized Home Insurance
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Landlord Insurance:
Tailored for those renting out properties, offering protection for the building and any rented furnishings. -
Tenant Insurance:
Protects renters’ belongings, such as electronics and jewelry, from theft or damage. -
Second Home Insurance:
Provides coverage for vacation homes, including options for short-term rentals. -
Student Home Insurance:
Designed to protect personal belongings while living in shared accommodations.
What is Covered by Home Insurance?
Typical home insurance policies cover damage or loss caused by:
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Fire and storm damage
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Flooding
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Theft and vandalism
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Falling trees
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Leaking pipes
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Subsidence or landslips
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Impact damage
Exclusions from Home Insurance
Policies typically do not cover:
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General wear and tear
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Damage from lack of maintenance
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DIY accidents
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Intentional damage
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Damage caused by pets or pests
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Unoccupied properties
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Some outdoor features like fences and gates
How to Get a Home Insurance Quote
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Provide Home Details:
Share basic information like the type, age, and security features of your home. -
Estimate Rebuild Costs and Contents Value:
Ensure these are accurate to avoid underinsuring your property. -
Select Coverage Level:
Choose between buildings, contents, or combined coverage, and consider any additional protection you might need.
Tips for Lowering Your Home Insurance Quote
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Choose Your Property Carefully:
The size, materials, and type of home can affect your insurance cost. -
Understand Local Risks:
Research the flood risks and crime rates in your area. -
Select Appropriate Coverage:
Avoid overinsuring by accurately estimating rebuild and contents values. -
Increase Your Excess:
Opting for a higher excess can reduce your premium. -
Pay Annually:
Save money by avoiding monthly interest charges. -
Maintain and Secure Your Home:
Regular upkeep and enhanced security features can lead to lower premiums.
Compare Home Insurance Quotes
At Im Insured, we simplify the process of finding the best home insurance for your needs. By comparing up to 50 providers, we help you secure the right cover at the right price, with the added benefits of cashback and rewards.
Get Your Quotes Today and protect your home with confidence.