House and Home Insurance

Home Contents Insurance (House Insurance)
It's not a legal requirement to insure your home contents but if you don't and loose all your possesions through theft, flood, fire or accident you will have no way of replacing those items unless you pay for them out of your own pocket. A home contents or house insurance policy would pay out and depending on your level of cover either contribute to the replacement cost of replace 'like for like'.

Buildings Insurance
It's a requirement by mortgage companies that homeowners are expected to take out buildings insurance as part of their mortgage agreement. In the event that your home is is severely damaged or destroyed and needs to be rebuilt a buildings insurance policy would contribute to some or all of the reconstruction cost.

Home insurance tips:
	You'll probably find by increasing your policy excess that you can reduce the home insurance cost premium.
	Make sure the policy is relevant to you. You may find that the policy covers things like bikes and freezer food that you do not need.
	By buying your home insurance and buildings insurance through the same company you'll be eligible for a discount.

Use our table below to help you find home insurance best suited to you.

Company	Online discount
Lloyds TSB Insurance	15%	Apply here
Eagle Star Insurance		Apply here
Zurich		Apply here
More Than	upto 20%	Apply here
Virgin	10%	Apply here
esure	15%	Apply here
Budget Insurance	Average £85 saving	Apply here
Auto Direct	Price Promise	Apply here
Churchill	30%	Apply here
Asda	15%	Apply here
Swinton		Apply here