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Home Insurance Checklist

Home Insurance Checklist

Category: Insurance

Updated: 18/10/2016
First Published: 18/10/2016

Before you choose a buildings or contents insurance policy, you should make sure that it meets your needs.

For buildings insurance:

  • Look at the specified amount or limit for buildings cover protection.
  • How much will it cost to rebuild your home? Don't just consider the resale value as this may differ wildly.
  • Does the policy cover accommodation for you should your home become uninhabitable?
  • Does it cover outside buildings?
  • If you are in a high-risk flood area, are you covered?
  • In addition to the overall structure of your property, what permanent fixtures and fittings are covered, if any?
  • Do you live in a high crime area?
  • What about the style of your house? Do you have any unusual features? Or is your property a listed building?

For contents insurance:

  • Look at the specified amount or limit of contents cover protection.
  • Have you got everything valued accurately?
  • Are your antiques or valuables covered, or do you need to take out separate cover for these? It may work out cheaper to get them insured separately with a specialist contents insurance provider.
  • Do you have children or animals? It could be worth adding accidental damage to your policy.
  • Do you live in a high crime area?
  • How far outside of your home are your items covered for?
  • Does the policy cover your items when you are abroad?

Remember, when it comes to finding a buildings or contents policy for your needs, always give accurate and appropriate information. That's because when it comes to making a claim, honesty is always the best policy.

Your claim may be deemed null and void if you:

  • Provide false information
  • Have a lack of general maintenance on your property
  • Fail to carry out repair work on previous claims

What Next?

Still unsure? Check out our home insurance guides for more information.

Compare home insurance providers

Disclaimer: This information is intended solely to provide guidance and is not financial advice. Moneyfacts will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfacts recommends you obtain independent financial advice.

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