Home Insurance
Quality Cover Backed By ‘Exceptional’ Service
Want to save money on your home insurance? Let the home insurance specialists at Coversure Hull compare our markets to find you the property insurance that’s right for you. Whether you need cover for house, flat, bungalow or tenant’s contents insurance, call us today on 0800 977 6037 and let our award-winning team help you.
Home insurance backed by ‘Exceptional’ service
Our award-wining team is rated as ‘Exceptional’ by feefo and with over 50 years of home insurance experience, you can rest assured you’re in safe hands. Being independent we can put your needs first, and we’ll compare the market to find you great cover for a great value premium. To find out more, call us free on 0800 977 6037 or start your home insurance quote today.
What is home insurance?
Home insurance protects your property against common risks such as fire, flood, or even destruction. It can also safeguard your home’s contents and other possessions from damage, loss, or theft through contents insurance. Home insurance through Coversure Hull can protect your building – buildings insurance, what’s inside your home – contents insurance or a combined home insurance – which covers your building and your contents on one policy.
Who needs home insurance?
While home insurance isn’t a legal requirement, most mortgage lenders will insist on you having buildings insurance in place. Owners of the following properties would be wise to have home insurance in place:
- Homeowners
- Flat owners
- Tenants – usually you will only need contents insurance as the buildings cover will be taken by your landlord
- Students – if you’re in rented accommodation then you’ll want contents insurance
- Second homeowners – if your second hone or holiday home is left empty for a prolonged period – potentially as short a period as 30 consecutive days – then you should consider getting empty property insurance
If you’d like some help getting the home insurance that’s right for you, call us free on 0800 977 6037 or start your home insurance quote today.
What can home insurance cover?
Home insurance can cover your property, possessions, and more, as you can see from the following policy options:
- Damage to your property and possessions – caused by fire, theft, explosion, subsidence, and flooding
- Damage to garages, sheds, and outbuildings and their contents
- Liability protection for injuries to people or property damage caused by your property
- Burglary and break ins
- Burst pipes and flooding
- Subsidence and foundation heave
- The cost of alternative accommodation should you need to move out owing to damage or repairs
How much does home insurance cost?
Your home insurance quote will be arrived at based on things such as:
- The type of cover you want – buildings, contents, or combined
- The rebuild cost of your property
- Where it is/your postcode
- Its state of repair
- The level of security
- Its age
- Its size
- Its construction/what it’s made from
- The nature and value of your contents
- If it is near a river or in a flood-risk area
- Your claims history
- Features of the property – flat roofs, swimming pools or workshops can all push up quotes
- Your postcode
How to get cheaper home insurance
Whether you want buildings, contents, or a combined home insurance, there are several ways to get cheaper home insurance, including:
- Protect your property – installing window locks, deadlocks on doors, and ensuring trees are trimmed so limbs won’t fall into the property can reduce your risks and, therefore, your premiums. Additional security measures can also help you get cheaper home insurance quotes. Security lights, burglar alarms, locks on gates, sheds and outbuildings can all count in your favour
- Agree to a higher excess – setting a higher excess - the amount you pay in the event of a claim – will almost certainly reduce your home insurance premium. It can also deter you from making small claims, something that will increase your premiums
- Build up your no-claims discount – most insurers will often offer a reduction in premiums for each you haven’t claimed up to a limit of 9 years
- Shop around – home insurance is a competitive market so it’s worth shopping around for quotes. Better still let us do the shopping around for you. Being independent we can compare the market to find you a great deal on your home insurance. We can also use our property insurance expertise to get you cover that’s tailored to your needs. To find out more or to get a home insurance quote, call us on 0800 977 6037 or contact Coversure Hull today
Home insurance FAQ
Your home is so much more than just bricks and mortar and it’s important to have the correct home insurance in place. To help you get the protection you need, here are our home insurance frequently asked questions. We hope they will be of use, but if you’d like some personalised independent advice, call us on 0800 977 6037 or contact Coversure Hull today
Q. Who needs home insurance?
A. If you own your own home, be it house, maisonette, flat, or a bungalow, then you’d be wise to have home insurance in place
Q. Is home insurance a legal requirement?
A. No, but if you have a mortgage on the property, it’s likely that your mortgage provider will insist upon you having buildings insurance in place
Q. How much does home insurance cost?
A. That depends on things like the value of your property, where it is, its proximity to water, and the level of security in place. To get a home insurance quote, please call us on 0800 977 6037
Q. What’s covered by hone insurance?
A. Depending on the type of policy your take – buildings, contents, or combined home insurance – it can cover everything from the physical building to what’s inside it
Q. Does home insurance cover roof leaks?
A. Roof leaks are covered by home insurance if the leaks are caused by things like storm damage or damage from falling trees. Typically, it won’t cover leaks that are a result of wear and tear
Q. What is home emergency cover?
A. Home emergency cover is a home insurance option that covers you should an appliance such as a boiler breakdown. Home emergency cover will pay for you to get a tradesperson out to solve the problem ASAP
Q. As a tenant do I need home insurance?
A. Your landlord should have buildings insurance cover, but you will need to protect your possessions with contents insurance
Q. What's not covered by home insurance?
A. Wear and tear, wet or dry rot, fences, gates, or hedges damaged by a storm and claims resulting from poor workmanship, faulty design, or shoddy repairs won’t be covered
Q. Are there any policy add-ons to home insurance?
A. Yes, common ones being legal cover in case you get into a dispute with a neighbour or tradesperson, personal possessions when away from home and accidental damage
Q. How can I get a home insurance quote?
A. Getting a home insurance quote is easy. You can call us today on 0800 977 6037 and let our award-winning team help you.
Get a home insurance quote
If you'd like some home insurance help or a home insurance quote, call us on 0800 977 6037. We can give you all the advice you need and can compare our markets to find you the cover you require.
