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Make sure expensive jewellery is covered by single-item limits. Household appliance insurance covers white goods like cookers, fridges and washing machines, and some electronics. Managed to insure my property for half the cost of my present insurer's renewal price. Simple to use. Comparable offers enabled me to make decision on placement of home and contents insurance and made saving over existing provider. It can be. Frozen and burst pipes are a major source of home insurance claims, but cover varies enormously from policy to policy.

You should also check if you have trace and access cover on your home insurance, as this can be invaluable if you need to find and repair a leaking pipe. If you think you've already bought home insurance, but can't track down the details of the insurer, check your bank account statements and emails for evidence of the purchase.

Here are the four stages on making a claim on your home insurance : If you're burgled, first call the police for a crime reference number. Next, ring your insurer's hotline to submit a claim. Collect receipts and take photos as evidence of your claim.

Home Insurance Quotes

If repairs aren't urgent, make sure your insurer agrees to any work beforehand. If your home is at high risk of flooding, it's worth looking into flood insurance. When you get a quote, you'll be asked if your property is unoccupied for more than 30 days. If so, whether it's for days, or more than 45 days. If you can't find the right insurance, or you need cover for an extended period of time, look into unoccupied property insurance instead.

Contents insurance explained

You won't necessarily have to tell your insurer or take out additional cover for occasional home working. An excess is how much you have to pay if you make a claim on your home insurance. You might have different excess amounts for different parts of your policy - for example, an additional excess for burst pipe claims is common. Voluntary excess is the amount you agree to pay towards a claim on top of the excess set by your insurer.

Frequently asked questions

Usually, the higher your voluntary excess, the less your quotes will be. Just make sure you can afford to pay it if you did need to make a claim though. The survey was conducted among 2, respondents on 14 December Home Insurance Home insurance. Compare home insurance quotes with us.

What's home insurance? Do I need home insurance?

Home Insurance: Compare Home & Contents Insurance

How much is home insurance? Buildings insurance. Find out more. Key points For your possessions, not the building Usually provides cover against fire, theft and vandalism Accidental damage cover is sometimes included or can be added at extra cost. Get a quote. What do I need to get a home insurance quote? Additional cover for your home You can add optional extras to your home insurance policy if you need them.

Trusted providers on our panel. The right home insurance for you There are lots of different types of home insurance policies - choose the right one for you. Student home insurance Policies designed specifically for you if you live in halls or a house share. New build home insurance Protection for your brand-new home.


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Gadget insurance Gadget insurance covers mobile phones, laptops, cameras, tablets, and GPS devices. Jewellery insurance Jewellery, watches and valuables can be covered for theft under your home contents insurance or by a separate jewellery insurance policy. Home appliance insurance Household appliance insurance covers white goods like cookers, fridges and washing machines, and some electronics. Over 2, home insurance customers rated us on average. Real customer reviews. Read more reviews. Frequently asked questions Is a leak covered by home insurance?

Is my home already insured? How do I make a home insurance claim? Can I get home insurance if my property has subsidence?

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Can I get home insurance if my property is at risk of flooding? Will home improvements affect my home insurance? Can I insure an unoccupied property? Do I need business insurance to work from home? What's a home insurance excess? News and articles on home insurance. Read all guides.


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  • This is only a summary of the benefits provided. Please refer to the Policy Wordings for details of the cover provided. Insure your car or home with us too and save with our multi policy and Homepack discounts. Get a quote and buy, lodge a claim or manage your insurance online with My State, your online account. State is the only general insurance company that hands out Fly Buys points. Collect Fly Buys points on every policy with us.

    Get quotes from these home insurance providers and more

    Home Contents Insurance. Contents Insurance Compare. Get a quote Contents calculator Request a call back. Which contents insurance is right for you? Compare contents insurance options. Full cover Comprehensive. Cover for valuable single items up to a set limit. Sudden and accidental loss or damage. Sudden accidental loss due to specified events.

    Alternative accommodation costs. Hidden gradual damage from leaking water in certain circumstances.

    What is contents insurance?

    Repair or replacement cover for most items.