Home Insurance tips?

dllive

Hi
Im about to buy a house. Its a small cottage. Does anyone have any tips on finding home insurance for this type of property? Ive been told that its not easy to get insurance for a cob construction. Ive searched 'cottage home insurance' but all the results seem to come back with insurances for second homes (which mine isnt!). Does home insurance cover the contents?

poppysarah

Contents insurance is for contents.

try an insurance broker if you can't be arsed ringing round lots of companies.

But you could try who you get your current contents insurance with and ask them if they cover it.

Nosht

Make sure that your Contents Policy is with a different company from the House Policy as this gives you some elbow room on driving the renewal price down.


N.

dacouch

Nosht wrote: »

Make sure that your Contents Policy is with a different company from the House Policy as this gives you some elbow room on driving the renewal price down.


N.

Having the two overs seperated can cause problems in the event of a large claim eg a fire and also means paying the excess twice. It's generally better advice to have building and contents with the same supplier if possible

dllive

Hi. Ive just done a home insurance search using MoneySupermarket's comparison tool. I had to guess at a lot of the questions asked (age of building, types of locks etc...) because I dont know at this point. All the results said that they wouldnt insure me either due to the age of the building, my age, construction of the wall etc... When's the normal time for people to get their home/content insurance arranged - after the initial searches by the solicitor is carried out? What happens if Im unable to get insured - does this ever happen?
thanks

maria6259

dllive wrote: »

Hi. Ive just done a home insurance search using MoneySupermarket's comparison tool. I had to guess at a lot of the questions asked (age of building, types of locks etc...) because I dont know at this point. All the results said that they wouldnt insure me either due to the age of the building, my age, construction of the wall etc... When's the normal time for people to get their home/content insurance arranged - after the initial searches by the solicitor is carried out? What happens if Im unable to get insured - does this ever happen?
thanks

Comparison sites are okay but there's no reason why you can't approach insurance companies directly and get a quote.

You should insure from exchange of contracts and I would recommend you having contents and building's insurance with the same company, it makes claiming easier and quite often there is a discount.

I do have DirectLine insurance (can I say that here??) for my buildings/contents, I think there is a standard minimum(?) of £1m for buildings and £50k for contents.

As for being unable to get insured, if the house is mortgaged, the mortgagees may well offer you an insurance policy (would be more expensive than others though).