Home insurance is one of those things you hope you never need… but when you do, having the right cover in place is everything.
Too many homeowners choose policies based on price alone, only to find out later they’re not properly protected.
1. Cheapest Doesn’t Mean Best
It’s tempting to go with the lowest quote, but with home insurance, you often get what you pay for. Look for Defaqto 5★ policies and focus on value, not just price.
2. Your Buildings Cover Isn’t Your Property Value
Your buildings insurance should reflect the rebuild cost, not market value. This includes labour, materials, fees, and demolition. Underinsuring can reduce claims payouts.
3. Accidental Damage Is Worth Considering
This optional cover protects against mishaps like spills, drilling into pipes, or damaged furniture. It’s especially useful for busy households.
4. Most People Underestimate Their Contents Cover
Think: if you turned your home upside down, everything that falls out is contents. A room-by-room check helps avoid underinsurance.
5. High-Value Items May Not Be Fully Covered
Policies often have limits per item. Make sure expensive possessions are specified individually and consider cover outside the home.
Final Thoughts
Home insurance isn’t just about ticking a box, it’s about properly protecting your home and belongings.
Need Help Reviewing Your Cover?
If your renewal is coming up, now is the perfect time to review your policy. Call us on 01455 636163 to speak with one of our advisers or contact us via our website.
Blog written 13/05/2026
The information contained within this blog was correct at the time of publication (13/05/2026) and is subject to change.
