Hastings Direct — Car, Van, Bike & Home Insurance

Types of home insurance

Home insurance protects the building you live in from theft and damage caused by fire and flood.

Having your home and possessions destroyed by fire or flood would be devastating — but it would be worse if you didn't have protection in place. Home and contents insurance relieve the financial burden by covering the cost of repairing your home and replacing your possessions if the worst should happen.

If you've got a mortgage, your provider might have insisted you take out buildings insurance as part of the loan conditions. But you can still choose to extend your cover to protect your contents against damage and theft, too.

If you're a tenant living in a rented property, buildings insurance is usually your landlord's responsibility. But if you want the added protection of contents insurance, you'll need to arrange it.

Types of home insurance

Buildings insurance only

Along with the bricks and mortar of your home, building insurance covers permanent structures within your home (such as bath tubs and fitted kitchens), and outbuildings (including extensions, sheds, conservatories and garages). Your home will be protected from loss or damage caused by:

  • Fire, smoke or explosions
  • Extreme weather such as storms, lightning and flooding
  • Natural disasters including earthquakes
  • Theft
  • Escape of water or oil
  • Malicious persons and rioting
  • Subsidence
  • Collision by vehicles or animals
  • Falling trees
  • Collapse of aerials or satellite dishes.

Contents only

Contents insurance covers the belongings in your home which aren't part of the structure of the building such as beds, sofas, curtains, televisions, computers and kitchen appliances — even the contents of your freezer are covered. Your belongings will be protected from loss or damage caused by:

  • Fire, smoke or explosions
  • Theft and attempted theft
  • Vandalism
  • Severe weather such as storms, lightning and flooding
  • Natural disasters including earthquakes
  • Falling trees
  • Leaks from heating or water fixtures.

Buildings and contents

If you're interested in both types of cover, then you can take out combined buildings and contents insurance. The main benefits of a joint policy are that it's easier to manage, plus it could save you money.

Factors affecting home insurance costs

The price you pay for home insurance depends on a whole host of factors, such as:

  • Address — your postcode has a huge impact on price. For instance, your premium's likely to be higher if you live in an area that's flood-prone, has a high crime rate, or is affected by subsidence.
  • Size — the bigger your home, the more it'll cost to repair or rebuild, and this is often reflected in the cost of home insurance.
  • Security — taking steps to secure your home using quality locks and alarms can lead to a lower premium.
  • Contents value — if you've got lots of expensive belongings in your home, then you'll have to pay more to insure them.
  • Lifestyle — your age, occupation and relationship status can all affect insurance costs. You're also likely to pay a higher price if you're regularly away from home for prolonged periods of time.
  • Previous claims — if you've claimed on your home insurance in the past, this might bump up the price at renewal.

Hastings Direct home insurance

Here at Hastings Direct, we know all homeowners are different, which is why you can choose from a range of cover options and tailor your policy to suit your personal needs. When getting a quote, you can add the following optional extras:

Family legal protection

Our family legal protection covers you and all family members living at your home and provides 24-hour access to legal advice and a counselling service. We'll pay up to £75,000 towards the cost of pursuing civil legal proceedings associated with:

  • Personal injury claims against responsible individuals and companies
  • Actions related to trespass or nuisance at your home
  • Contract claims against individuals and companies which provide you with defective goods or services
  • Motoring prosecutions
  • Personal tax issues
  • Probate disputes.

Home emergency cover

Home emergency cover provides you with emergency assistance through a dedicated helpline. Depending on the situation, we could send a reputable contractor for immediate repairs and help with up to £750 per claim to cover callout charges, parts, materials, labour and VAT costs.

Key cover

Our key cover provides you with up to £1,500 worth of protection in the event your keys were lost or stolen to help cover costs for replacement keys and locksmith charges.

Insure your home with Hastings Direct

We can offer you home cover for a price that won't break the bank. Get your home insurance quote today and see how much you could save.

Home insurance

Our refreshingly straightforward home insurance is Defaqto 5 Star rated, so you can be sure you're getting a great product. Plus you can choose from a great range of optional extras.

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