Here at Hoppy we know how much you value your home. That’s why when things go wrong, it can be especially upsetting, not to mention very costly to fix. Home insurance can help to protect your home and belongings from a range of insured events, like theft or fire, safeguarding you from devastating consequences. Finding the right policy for you can be tricky, with so many options available on the market, but Hoppy and Quotezone are here to make the process a breeze.
A typical home insurance policy will cover your house and possessions against damage caused by fires, storms, floods, burst pipes and water leaks, as well as thefts. It’s also possible to take out buildings insurance, covering the physical structure of your home like roofs and walls, and contents insurance, protecting items inside your home, though neither is required by law.
If you own your home and have a mortgage then your mortgage provider can insist that you take out a home insurance policy for the duration of your mortgage, but they can’t tell you which one to choose - that’s where you get to look for the best home insurance quotes.
Finding the best home insurance for you will depend on many factors and go beyond simply choosing the cheapest one. If you own your home, then you are responsible for buildings and contents insurance, but if you’re a renter then it will be up to your landlord to take out a buildings policy though you may wish to supplement with contents insurance – to be on the safe side. Landlords are typically advised to take out buildings and contents policies to protect themselves from potential damage caused by renters.
Home insurance doesn’t have to be expensive and there are many ways for you to save some cash in the process. First, consider the level of insurance your property requires and use this to find the right policy or switch to a different one if the current policy doesn’t appear suitable. For example, if you frequently hear about break-ins in your area then a contents policy is worth your consideration. Look at combining contents and buildings insurance into one policy; this can typically save you a pretty penny. Additionally, increasing your voluntary excess, installing a security system, and building up your no claims bonus will all reduce the price of your home insurance.
Finally, remember to shop around when your renewal date rears its head. Some insurance policies will have an automatic renewal function inbuilt and can switch you to a plan that’s costlier than it needs to be. Hoppy and Quotezone are here to give you all the tools to manage your renewal dates, while also helping to compare and switch to the best value policy for your home.
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