House Insurance - Essential Facts

Protection for your home and it contents

Home insurance (sometimes known as household insurance) is split into two main categories.

· Buildings Insurance: This covers the structure of your building in the event of natural disasters and possibly accidental damage (e.g. a burst water pipe).
· Contents Insurance: This provides cover for all your treasured possessions should they be stolen or accidentally damaged.

Clever Zebra is here to help take the stress out of finding a good home insurance deal. This page explains some of the important factors that might influence your decision.

Why do I need it?

Buildings cover is usually required if you are about to arrange a mortgage or already have one in place. Far from being yet another needless expense of running a house, home insurance provides complete peace of mind and often great value for money (especially when you compare it to car insurance!). If you think about how much it would cost to replace the contents of your home, the cost of a home and contents policy suddenly looks like a more worthy investment.

How do find the best policy for me?

Don’t just go for the cheapest quote! Think about the value of your possessions and balance this with cost and coverage of the insurance that you will be looking at. Remember to consider the following factors:

· Value of your possessions you wish to protect.
· Level of cover you want.
· Amount of money you are prepared to spend on insurance.

Clever Zebra’s insurance partner will be able to find a policy to suit what you are looking for. If you would like further help or assistance on finding the right insurance for the right price visit our insurance reduction tips guide.

Choosing your policy

Shop around to find the right quote. Remember that the right policy isn’t always the cheapest one on offer - be sure to look at what the different insurance policies offer as well as the price. Consider how the policies perform against excess, flexibility, coverage and reputation of the insurer as well as the price.

Clever Zebra’s insurance partner will search over 400 policies to help you find the right deal as quickly and easily as possible.