The cheapest House content insurance

Bendy_House

And, when you choose your new insurance provided, JustN, add ~£25 for legal protection cover.

Looking at your other threads, that could be good advice for your friends too...

MACKEM99

Have you tried QUIDCO may be good?

hangryconsumer

flashg67 said:

Your choice, clearly,  but contents isn't just for theft. We had a house fire last year...[     ]...even after our £35k fire claim....[   ]

How did the fire start? That value of fire damage gives me something to consider.

GDB2222

grumbler said:

Brie said:

£55 a month means £670 a year?!

Before I reached your post I though it was per year, not per month!

I remember times when my building and contents was almost free after TCB/Quidco cashback. Now it's about £100 p.a., I am mortgage-free and I decided not to have it.

If your house burns down, where will you live?

GDB2222

flashg67 said:

hangryconsumer said:

Have you tried looking at how much cheaper it is to pay annually instead of monthly? Appreciate that you might not be able to afford it which is why you pay monthly. I personally don't have contents insurance. I don't have a house full of expensive things and if someone stole something I could probably replace it without being bankrupt. I only have buildings insurance because I'm forced to have it by the mortgage company. Very unlikely that someone will crash into my house from the main road, as per many news stories!

The most expensive stuff is probably technology related, so I don't know if gadget related insurance would be cheaper than the entire contents of a house. Are you really worried about furniture burning in a fire etc? Or do you live in a high burglary rate area?

Your choice, clearly,  but contents isn't just for theft. We had a house fire last year - fire was contained to the kitchen, but smoke/soot got everywhere through the house - even up onto the loft! - you might be surprised how much it would cost to replace all your soot damaged electronics, sofas, bedding, curtains, carpets etc - we had nothing fancy but was a few £000s 

OP - not sure where you live, but even after our £35k fire claim, our buildings and contents is only about £150 per year - yours seems very high

25 years ago (almost to the day), our house was very badly damaged by fire, to the extent that we eventually sold it, and the new owners demolished and rebuilt. Amongst other things, the insurers paid for a hotel for 3 weeks, followed by renting for a year.

 

hangryconsumer

Can anyone tell me how these fires started? Fires are already low risk, but if I know the cause of the fires then I can take action to further reduce the risk without having to buy contents insurance. For example, if it's down to faulty electrical equipment then I can just unplug everything after use. Main causes of fire are arson, smoking, cooking and electrical equipment.

hangryconsumer

Can anyone tell me how these fires started? Fires are already low risk, but if I know the cause of the fires then I can take action to further reduce the risk without having to buy contents insurance. For example, if it's down to faulty electrical equipment then I can just unplug everything after use. Main causes of fire are arson, smoking, cooking and electrical equipment.

grumbler

GDB2222 said:

grumbler said:

Brie said:

£55 a month means £670 a year?!

Before I reached your post I though it was per year, not per month!

I remember times when my building and contents was almost free after TCB/Quidco cashback. Now it's about £100 p.a., I am mortgage-free and I decided not to have it.

If your house burns down, where will you live?

We saved enough money to be able to repair it or buy a new one. ATM we are in the process of buying a second house with plans to rent our old one out.

Grenage

My building and contents insurance is only £99 a year these days, which is under £3k over three decades.  How could anyone save enough money on insurance to repair or rebuild?

How much are people paying!

I don't generally have insurance that isn't legally required, except in instances where it is relatively cheap and I couldn't stomach the potential consequences of it being absent.

outtatune

When the annual warranty for a cooker is 20% of the cost of a new one, that's an insurance policy that's not worth having.

When the annual buildings + contents insurance for a house is 0.1% of the cost of a new one, things are different.