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