What is and is not included in your House Insurance

what house insurance is the cheapest

If you have been around a bit or have an in-depth knowledge of insurances then you will likely agree that most times you need to read the small print as to know just how many exclusions are listed meaning that you might not get the pay out you expected upon life’s unfortunate moments. Nearly all property will have insurance (required by law) which we call home owners / property / building / house insurance that includes the sectors of homeowners insurance, renters insurance, flood insurance, and earthquake insurance, among other policies (source investoedia.com). Importantly: We need to make sure that the policy we take out covers our expectations and sometimes we need to add on additions such as accidental damage for when we go through that waterpipe when putting up a picture on the wall – additions also include ‘home emergency cover’ and ‘legal fees cover’.

You should note that the insurance you take out for your property covers the structure itself and fixtures such as bathroom appliances or a fitted kitchen – Items which are deemed not to be easy to remove and take with you to another property. Contents insurance are to cover the items within the property that aren’t fixed such as your sofa or television. Most people will have both these insurance policies.

Did you know that not every circumstance effecting your property will be covered in your insurance policy. Each year more rules are brought in to place which protects homeowners and puts more responsibilities on insurance companies, but the following might not be included:

Acts of God – This is a touchy subject though you would be advised to question if the likes of flooding, wind/storm, frost, lightening strikes and similar weather damages are covered. For flooding, you may need a separate policy if you are in a flood region or terms added within the basic policy.

Deliberate Damage – If yourself or a member of the household damages the property then this is likely not to be covered.

Wear and Tear – A policy is unlikely to cover any general wear and tear claims.

Animals and Insects – Pets, insects, birds and similar that cause damage to your property are likely not to be covered in your policy.

Substandard Building Works – For instance, if you attempt to self build an extension and a part fails then upon investigation by your insurance company it is unlikely you will get a payout.

Incorrect Form Filling / Updating – You need to make sure that the policy you have taken is specific to your property type and full information such as age, size, location plus any subsequent works carried out to include extensions / renovation works etc. If you take an insurance for a two bedroom house when in fact you have a four bedroom house then you are going to be in a hole when it comes to making a claim.

Now that we know we need to take a little care and attention to make sure we have the correct policy, you will be pleased to know that most cover us for fire, subsidence, vandalism, earthquakes, fallen trees, water (plumbing) damage.

We reached out to Jessica Willock, home insurance expert at Confused.com to share some words about buildings insurances with us:

It’s always best to check your buildings insurance policy before the purchase, to understand your level of cover. Natural disasters are often covered in policies, and in 2016, the ABI (Association of British Insurers) launched the Flood Re. scheme, to help those living in flood risk areas find affordable home insurance. All home insurance providers in the UK pay into the scheme, with the money raised used to cover homes at risk of flooding.

In terms of what’s not covered, when you purchase your home insurance, you have the option to add emergency cover, which includes additional factors that aren’t included in your policy as standard. Boiler breakdown, roof leaks and pest infestation cover are usually add-ons, and won’t be included. But again, it’s definitely always best to check your policy before purchase.


Title image credit: Pixabay


EAN Content

Content shared by this account is either news shared free by third parties or sponsored (paid for) content from third parties. Please be advised that links to third party websites are not endorsed by Estate Agent Networking - Please do your own research before committing to any third party business promoted on our website.

You May Also Enjoy

Estate Agent Talk

Larry Ellison’s estate is the third largest oceanfront parcel in Palm Beach County

America’s #1 buyer of expensive homes, Larry Ellison, is selling a mansion from his Florida collection, and it’s a big one. Larry’s Seminole Beach estate, in an exclusive part of North Palm Beach with over 520 feet of ocean frontage is listed at $145 million. The Tuscan-style mansion was built in 1998 on 8.5 acres…
Read More
Breaking News


Daily bite-sized proptech and property news in partnership with Proptech-X.   US Proptech News: PropTech Unicorn PLACE expands in 19 states with 37 new teams PLACE, the industry’s only brokerage-agnostic technology and business services platform for top real estate professionals, today reported strong mid-year growth, launching 37 teams and expanding the PLACE footprint to 35…
Read More
Home and Living

Should you buy a house with Japanese knotweed?

According to recent news, the hot weather has been a positive boon for one common and highly invasive plant in the UK, namely the Japanese knotweed. The Express has reported over the last few weeks that this perennial is taking over a park in Worcester and locals are worried it’s likely to have a big…
Read More
Breaking News


Daily bite-sized proptech and property news in partnership with Proptech-X.   NAPB: Planning Applications Fall in England, Latest Official Figures Show PRESS RELEASE: The number of planning applications received by councils in England fell almost 12% in the first quarter of this year compared with the same period in the previous year, new figures show. Data…
Read More
Estate Agent Talk

How to Build an Impressive Real Estate Portfolio

Even if the concept of building your own investments resume sounds pretty foreign at first, it doesn’t matter if you’ve been in the business for years now or you’re only just starting out. Portfolios aren’t only for the big players, and, with the right knowledge and careful planning, virtually any investor can handle the challenge…
Read More
Estate Agent Talk

The Surprising Benefits Of Solar Powered Roller Garage Door

Technology is constantly changing and moving forward, and one of the most recent innovations in garage door technology has been the use of solar powered roller garage doors. Instead of being connected to the electricity grid, a solar powered roller garage door collects energy from solar panels and uses the energy from the sun to…
Read More