Home Insurance 1

Home Insurance

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  • Home contents and buildings insurance
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Your home is probably the biggest investment you will have made in your life, for this reason it is crucial that you have a home insurance policy in place.

We at Ashburnham Insurance understand that you cannot afford to spend hours searching online for cheap home insurance which is why we provide access to a range of policies from various well-known insurers instantly online. If you have a mortgage on the property then your provider will more than likely insist that a home insurance policy is in place to protect their investment in your home.

When you consider the small premium you would pay for cheap home insurance then you will realise that it simply doesn’t make sense to take the risk and leave your home uninsured. Insurers which specialise in home insurance will be able to provide comprehensive policies at a low premium.

If you would like a home buildings and/or contents quotation then please contact us and one of our helpful staff will be able to give you an instant quote over the phone.

Is the property currently unoccupied?

Head over to our Unoccupied Property Insurance page.

What does home insurance cover?

Home Insurance

Home insurance protects your home against risks such theft and damage caused by storms, flood, fire, subsidence, vehicle collisions, and escape of water.

Home insurance typically combines both buildings cover and contents cover. Whereas buildings insurance will cover the structural properties of your property, home contents insurance cover your household goods and personal items that aren’t physically attached to the building. A simple rule-of-thumb to remember is that if you can remove the item from your home without damaging the property (for example: curtains, white goods, furniture), then it comes under contents insurance. If its removal would damage the property (for example: laminate flooring, bathroom fittings, patio), then it comes under buildings insurance.

It is possible to buy both separately from different providers, but it often works out to be more cost-effective if you purchase your home insurance as a combined package under a single policy.

Though not a legal requirement, your mortgage provider may insist that you take out at least basic buildings insurance as part of their terms and conditions. It is, however, recommended that you have both buildings insurance and contents insurance so that you are fully protected in the event that something unfortunate were to happen.

Make sure that you know the level of cover you need, as this will affect your premium and coverage. Cheap home insurance may be all you require just to give you peace of mind when it comes to the necessities, but you will be given the option to further extend your cover depending on the total value of your home contents as well as other add-ons to suit you and your living arrangements – such as lodgers insurance.

Please be aware that if you are looking for landlords buildings and/or contents cover then you should visit our landlord insurance page.