Who needs Home and Contents Insurance?
It’s not a legal requirement to have home insurance, however, it makes good sense to buy home insurance regardless of your living status.
If you have a mortgage on your property, it’s normally a condition of the loan to have home building insurance for the duration of your mortgage. Building and contents insurance can be purchased together to insure your property and the contents within it under one policy.
Homeowners could be looking for new home insurance, specialist home insurance for a listed or non-standard construction building, or temporary home insurance while they complete renovation work on their own property.
Our specialist home insurance brokers work hard to secure the most suitable home insurance quotes from a range of top quality home insurance providers.
Insurance for tenants
As a renter, your landlord is responsible for insuring the building and its permanent fixtures and fittings with building insurance. However, you’ll benefit from home insurance (contents only) to safeguard your personal belongings.
As a landlord, you’ll want adequate home insurance for your rental property.
You are responsible for insuring the structure of the building and its permanent fixtures and fittings with building insurance. If you rent a furnished property, you may also wish to obtain homeowners insurance for personal property.
Insurance for holiday homeowners
Home insurance also applies to holiday homeowners. However, a specialist type of cover is required to cover the differing risks a holiday home is exposed to. For example, a holiday home will have periods when it’s vacant, and stretches of activity when paying guests and friends and family stay.
It’s important to have personal liability home insurance to cover your liabilities towards others who visit or use your holiday home.