Deal FindingThe Best Home Insurance Companies In The UK - What To Know

In this blog we will take a look at:

• Choosing The Best Home Insurance Companies In The UK
• Comparing The Best In The Industry: Direct Line Home Insurance And Admiral Home Insurance And More
• What Type Of Covers You May Need For Your Home Or Business
• How To Save On The Overall Cost Of Your Home Insurance Plan
• Tips & Tricks On How To Choose The Best Home Insurance With LDV

Choosing The Best Home Insurance Companies In The UK

Choosing the best insurance for your home is a time-consuming task. As daunting as it may sound, you do not need to worry because here at LDV, we want what’s best for our customers. At the end of this blog, you will be well-equipped to choose the best home insurance that is affordable.

What is home insurance? Home insurance is a product that protects your property and belongings against natural disasters such as floods, fires, falling trees, collisions and theft. If you are unlucky enough to be involved in a disaster or if your home is damaged, home insurance can help you pay for repairs and rebuild your entire home in the event of a disaster. The insurance will cover the replacement of damaged or lost items.

Insurance companies such as AA Home Insurance are one of the companies that are good at handling such disasters. Be sure to check them out to get exclusive discount offers from LDV.

Whatever type of insurance is best for your specific needs, this blog will save you time with our selection of the best home insurance providers.

Comparing The Best In The Industry: Direct Line Home Insurance And Admiral Home Insurance And More

With so many insurance companies and types of insurance to choose from, it can take a lot of time and research to find which provider will provide the best coverage and value for money for your particular product type.

Best For Comprehensive Cover

NFU Mutual

NFU Mutual Home and life insurance has a comprehensive cover, that protects your valuable assets in your home.

What Do They Cover:

• 3-year warranty on building workmanship done by their contractors.
• Personal legal fees include advice and assistance with legal representation fees for you or your family members. That also consists of a 24-hour assistance helpline.
• Covers accidental damage to fixed glass, ceramic hobs or sanitary ware that is in your home.
• Home entertainment equipment covered for any accidental damage that might occur. They pay out one-third of the insured amount or up to £10,000, whichever one is more.
• Student belongings not from home will be covered if damaged.
• Theft from outbuildings will also be covered for up to £5,000.
• Any damage to garden contents will be covered for up to £5,000 and any trees or shrubs that are damaged will be covered for up to £2,000 in total.
• Any money that stays at home will be covered for up to £2,500.

Why Choose NFU Mutual?

• They offer reward loyalties with bonuses which can help you save some money when renewing your comprehensive policy.
• No charges on spread-out costs that are paid monthly via direct debit.
• No admin fees will be charged when updating or cancelling your policy.

Best For Cheap Home Insurance

Admiral Home Insurance

Admiral Home Insurance is the cheapest home insurance one can get. From as little as £122 per annum. It offers 3 cover levels helping you choose a cover that best suits your pocket. Personalise your cover with their flexible add-on options for those little extra things you need. 

Why Choose Admiral?

Admiral Home Insurance covers the following:

• Storm
• Theft and Vandalism
• Water damage
• Fire and smoke
• Falling trees and branches
• Collisions

With their 24hr customer helpline, you are sure to get the help you need. They will assist you with a quote and even tailor make your it to suit your budget and what you need.

Best For The Over-50s

Saga

The best home insurance for those over 50 is Saga. Saga Plus home insurance includes great features like damage and personal protection while you’re away as standard. Even after most requests (terms and conditions of use), your price will stay the same for three years so you can spend your time doing other things.

Why Choose Saga?

• They have a 3-year flat rate home with add-ons.
• Demand Commitment - Most demand types do not affect your flat rate.
• No cancellation Fee - No withdrawal fee if you withdraw during the year.
• Crime - Domestic accidents such as sitting on glasses or staining the carpet.
• Personal Property Protection - Protect your valuables while away from home (on a property only) wherever you are in the world.
• Matching Set Cover - If something in the set breaks (like your bathroom sink), we’ll replace the entire set if we can’t fix it or make it compatible.
• Garden Cover - up to £5,000 cover garden products including lawn furniture, children’s play equipment, flowers and trees.
• Student Cover - protect your child’s belongings away from home.

Best For Monthly Instalments

John Lewis

While the cheapest home insurance may not always be the best policy for you, it is best to find coverage based on your needs and circumstances. At John Lewis, you can customise their products according to your needs. With their flexible policies, you only pay for add-ons that suit you.

Why Choose John Lewis?

• Damage to buildings and contents caused by water, fire, storms and more.
• Unlimited building repair costs with their Silver and Gold policies.
• Burglary and vandalism, including replacing locks.
• Working from home, with up to £10,000 cover for business equipment.
• Up to unlimited costs for alternative accommodation up to unlimited costs for alternative accommodation.
• ID theft - they’ll recover your ID and cover losses up to £25,00.

Best For Homeowners

Direct Line

Direct Line is an insurance company that values its customers and strives to get them a quote that’ll keep them satisfied.

Why Choose Direct Line?

• Direct Line offers replacement parts for modern devices such as cell phones and computers within 2 hours after a claim.
• They can send an emergency dispatcher within 3 hours if you have a leak or any emergency.
• No admin fees will be charged if you need to change your policy.
• Give you more choices when it comes to cash claims.

What Type Of Cover You May Need For Your Home Or Business

If you are a homeowner, it is easier and often more cost-effective to combine building and content insurance into a single home insurance policy. If you rent, you only need content insurance because building insurance is the landlord’s responsibility.

To help break it down further, there are three main types of home insurance:

• Buildings insurance -  This covers the structure of your home and permanent fixtures and fittings.
• Contents Insurance - This is to ensure everything that is INSIDE your house. Your television, laptops, phones or anything that is of value to you inside your home can be insured with this policy.
• Combined Buildings and Contents - This insurance policy covers both the building and the contents inside the building. This is a common policy that homeowners usually go for as it is a lot cheaper and also makes claims easier.

How To Save On The Overall Cost Of Your Home Insurance Plan

There are various ways you can pay for your home insurance policy. You can choose between paying upfront for the year or making monthly payments. For you to save some money, paying upfront can help, as interest is charged on monthly instalments.

A Few Tips For Saving Money On Your Insurance:

• Get home insurance a month before you need it to start to get the cheapest rates.
• Use free online calculators to get insurance quotes and get the right amount of coverage. If you are looking for a combined insurance company where both your contents and home is insured, then try out Confused.com Home Insurance they offer the best cover for everything and also compare insurance quotes from different insurers. Here at LDV, we offer you discount codes that you could use to save some money on your quote.
• Having better locks and tight security like active alarms can get you cheaper quotes for insurance.
• If possible, get one insurance policy for both your car and home to get one amount that pays for both.

Tips & Tricks On How To Choose The Best Home Insurance With LDV

Choosing the best home insurance policy for your home can be very difficult and time-consuming. While the thought of something bad happening to your home can be troubling, having good insurance means you don’t have to worry if the worst happens.

Let’s Have A Look At 3 Important Things To Consider:

• If you are renting, ensure that your landlord has building insurance. You then need to take out a separate policy for yourself to cover your content.
• For the financial aspect side of things, you need to consider how much you are willing to pay for the insurance and your access when you make a claim.

Choosing the worst possible insurance just because it’s affordable could be your worst nightmare. That is why sometimes it’s better to shop around for quotes before making a final decision on which insurance you will go for. Cheaper is not always the best. However, there are home insurance policies that are reasonable and offer the best possible coverage.

Finding the best insurance for a home is not easy, yet we have put together for you the best home insurance companies in the UK to make it easier for you to choose the one that best suits your budget and needs. Whether you choose to go for Direct Line Home Insurance or Admiral Home Insurance, as they both offer good insurance policies, the decision is totally up to you. We do trust that this blog has brought some clarity on household insurance and how it works. Take out insurance for your home today and have a stress-free life. Check our Blog Page to find more money-saving hacks that will change your life.