Your home is likely your most valuable asset—so why settle for the cheapest insurance policy?
At One Roof Financial, we believe home insurance should offer more than just a tick in the box. It should provide real peace of mind, comprehensive protection, and confidence that if the unexpected happens, you’re covered.
Why Quality Matters
When it comes to car insurance, many people opt for fully comprehensive cover, roadside assistance, and courtesy cars—because their car is their pride and joy.
But when it comes to home insurance, many people head straight to comparison sites and choose the cheapest option available.
Your home should be your pride and joy too. It’s where your family lives, your memories are made, and your future is built. That’s why we recommend choosing a 5-star Defaqto-rated policy—not a 2- or 3-star one that may leave you exposed when you need it most.
What Does High-Quality Home Insurance Look Like?
Here are our top tips to ensure your policy truly protects you:
- Check the Defaqto Rating
We recommend policies with a 5-star Defaqto rating. These offer broader cover, fewer exclusions, and better support when you need to make a claim.
- Review Your Policy Annually
Don’t just auto-renew. Review your cover each and every year to make sure it still meets your needs and offers good value.
- Understand What’s Covered
Read the quote questions carefully. If you own high-value items like jewellery, watches, or tech, make sure they’re named on the policy if they exceed the insurer’s single-item limit.
- Cover for Personal Possessions Outside the Home
Want your phone, laptop, or jewellery covered when you’re out and about? Make sure you’ve added personal possessions cover. For example, if you carry a £900 phone and a £900 watch, you’ll need at least £1,800 of cover.
Why Use an Adviser?
Arranging your home insurance through a qualified adviser—like us—means:
– You get tailored advice based on your needs
– You avoid the risk of being underinsured
– You get an annual review of the policy to ensure your needs are met
Ready to Review Your Cover?
Don’t leave your biggest asset vulnerable. Let’s make sure your home is properly protected.
📞 Call us on 01455 63 61 63 https://onerooffinancial.co.uk/contact/
📅 Or book an appointment by clicking here
Blog written 21/07/2025
The information contained within this blog was correct at the time of publication (21/07/2025) and is subject to change.
