Home Insurance
Competitive Cover From Your Local Independent Insurance Brokers
Need competitive, high-quality home insurance? Let Trisure insurance Services compare our markets to find you great value cover. Our friendly team of specialists can do the shopping around for you and find you the right cover at the right price. Get your free, no-obligation home insurance quote today or call (01733) 777799.
What is Home Insurance?
Home insurance protects your property against common risks such as fire, flood, or even destruction. It can also safeguard your household contents against damage, loss, or theft through contents insurance.
What Types Of Home Insurance Are There?
There are three main policy types:
- Buildings insurance – which protects the property itself
- Contents insurance – which protects your possessions in the property
- Combined home insurance – which gives you buildings and contents cover one policy
Who Needs Home Insurance?
If you own your home, you’d be wise to have cover. While home insurance isn’t a legal requirement, owners of the following people should have it in place:
- Homeowners with a mortgage – it’s likely to be a condition of your mortgage agreement that you have buildings insurance in place
- Flat owners
- Tenants – usually, you will only need contents insurance as the buildings cover will be taken by your landlord as part of their landlord insurance
- Students – if you’re in rented accommodation, you may want to get contents insurance
If you’d like advice or a no-obligation home insurance quote, please get in touch with Trisure on (01733) 777799. Our team can give you the help you need to keep your property protected.
How to Save Money on Home Insurance
Whether you are looking for buildings insurance, contents insurance, or an all-inclusive policy, there are ways of cutting the cost of cover:
- Improve security – installing window locks, putting deadlocks on doors, and fitting a burglar alarm or CCTV can reduce premiums. Also, make sure your property is as burglar-proof as possible. Security lights, keeping fences maintained, and locking outbuildings and sheds will all deter thieves and so reduce the chances of a claim
- Reduce the chances of a claim – simple things like ensuring trees are trimmed so limbs won’t crash into the house or clearing gutters so you don’t get water damage can help reduce your claims and, therefore, your premiums.
- A higher excess – if you have a good claims history, i.e., you don’t have a history of making claims, then a higher excess could be a good way for you to reduce your premiums
- Build up your no-claims discount
- Shop around – spend some time comparing quotes and covers. You may be surprised by how much you could save. Better still, get a professional to shop around for you. An independent insurance broker, such as Trisure Insurance Services, can do the shopping around for you. We have access to policies that aren’t available to the public, meaning we could save you time and money
What Does Home Insurance Cover?
Home insurance can cover your property and possessions, including:
- Damage to your property and contents – caused by fire, theft, subsidence, or flooding
- Damage to garages and outbuildings and their contents
- Liability protection for injuries or property damage caused by your property
- Burglary
- Vandalism
- Burst pipes
- Subsidence
- Costs of alternative accommodation should you need to move out
Home Insurance FAQ
It’s essential to get home insurance right. After all, your home is so much more than bricks and mortar. To help you get the protection you need, here are our home insurance frequently asked questions. We hope they will be of use, but if you’d like some personalised independent advice, contact us today on (01733) 777799.
- Wet rot, dry rot, or frost damage
- Damage caused over time
- Wear and tear
- Fences, gates, or hedges damaged by a storm
- Claims resulting from poor workmanship, faulty design, or botched repairs
- Legal cover in case you get into a dispute with a neighbour or tradesman
- Personal possessions when away from home
- Accidental damage
- Home emergency cover – which can cover things like emergency call-outs for plumbers
Get A Home Insurance Quote
If you’d like some home insurance advice or a free, no-obligation home insurance quote, call us on (01733) 777799 or click here to start your quote.