Get Home Insurance & Home Contents Cover Quotes

If you live in a flood-risk area, you'll have been paying around £33 (or 24%) more for your home insurance than the national average, MoneySuperMarket research shows.

I'm glad you're not with them, too, Mariane. But I hope everybody sees that (1) insurance is only the right to SUE, (2) keep an emergency fund! By not paying your rightful claim, they know they're pressuring your cash flows, and they'll use it to reduce the payout, and (3) keep your policy somewhere SAFE, e.g. a safety deposit box and keep a photocopy/scanned copy too. I took a corporate law course in undergrad with a really cool lawyer who gave us tons of practical tips. #3 was one of those tips.

Cover your personal possessions against loss or damage away from home. Certain items like jewellery, cameras, pedal cycles, mobile phones, camcorders, handbags and their contents must be named and are covered as an individual item with a limit of £1,500. We give you cover for up to £350 cash and up to £500 credit cards. Bicycles are also included in this section up to £350 for each bike - bicycles worth more than £350 should be listed individually in the Specified Bicycles section.

Allstate doesn't fare quite as well as Amica when it comes to customer satisfaction. You may get a cheap(er) quote, but customers have mixed views as to whether they get their money's worth. Allstate offers online homeowners quotes, and the process only takes a few minutes. Of course, you can also opt to call one of its local agents, which is a great choice if you prefer the more personal service.

Find out from your insurance agent or company representative what steps you can take to make your home more resistant to windstorms and other natural disasters. You may be able to save on your premiums by adding storm shutters, reinforcing your roof or buying stronger roofing materials. Older

homes can be retrofitted to make them better able to withstand earthquakes. In addition, consider modernizing your heating, plumbing and electrical systems to reduce the risk of fire and water damage.

Understanding the intricacies of home and contents insurance policies can be complex. Below are a few of the more common home and contents-related terms that you?ll need to understand - although keep in mind that policy wording can vary from insurer to insurer. As such this is just a very general guide to some common terms. Please make sure that you carefully read the terms and conditions of any specific policy you are considering, to understand the inclusions and exclusions of that particular policy.

Someone visiting your home, or an employee (such as a tradesman or childminder) has an accident, gets ill, is injured or dies, and it was proven that you were at fault. Some policies also include damages that you are liable for but that happen outside your home. For example, you could be covered for damages if you accidentally injure someone with a golf ball.

Most travel insurance policies will cover you up to 65 years old as standard. For individuals over 65 and 70 years old, premiums maybe slightly more expensive as risk increases with age. It's also important to note that if you have a pre-existing medical condition you must inform the insurer, they may require you to contact medical screening in order to establish the risk level for that specific condition. If they deem it to be a serious condition you may have to pay an additional premium for cover. Travel Insurance Ireland is a comparison website for Irish residents that offers comprehensive holiday insurance policies at very competitive prices.

Up your home's safety factor. Chances are you already have the basics down, such as deadbolts and smoke alarms. But your insurer may reduce your rate if you go the extra mile with carbon monoxide detectors and home security systems. That also extends to improvements that help guard against natural disasters, like storm shutters and stronger windows.

Your Address: Where you live will influence your home insurance quote. Certain areas that are more heavily affected by weather and other factors tend to produce more claims, causing home insurance rates to be higher. This means that you may pay higher premiums if, for example, you live near a large body of water, or in a neighborhood prone to brush fires or mud slides. Repair and construction costs also vary by region, which is another factor in your home insurance quote.