There are many questions people have regarding home insurance that may not have been covered above. Read our frequently asked questions below to learn more before getting your quote from One Click Cover.
How much does home insurance cost a month in the UK?
The average cost of home insurance in the UK is around £20–£30 per month for combined buildings and contents cover, however this can vary depending on factors such as your property type, number of bedrooms, location, level of cover, and any optional extras you add to your policy.
Is building insurance the same as home insurance?
No, home insurance is a broad term that typically refers to building and contents insurance. Building insurance by itself covers the structure of your home, such as the walls, roof, and permanent fixtures, while contents insurance protects your personal belongings inside the home. If you want full cover, a combined home insurance policy provides both buildings and contents protection.
Do I need home insurance when buying a house?
Although home insurance isn’t technically a legal requirement, most mortgage lenders will require you to have building insurance in place before you can complete your purchase. It’s also in your best interest to get both buildings and contents insurance so that your property and belongings are covered against unforeseen circumstances.
Should I get building regulation indemnity insurance?
Building regulation indemnity insurance (BRII) is a specialised policy for properties that do not have the correct paperwork or planning approvals for alterations, such as extensions or loft conversions. If your seller cannot provide the correct documentation, getting a BRII policy is a good idea because it covers your legal costs if the local authority takes action. However, it does not cover the cost of rectifying the issue itself. During the enquiries stage of the conveyancing process, your conveyancer will request any missing information, and if this cannot be provided, they will advise you on whether an indemnity insurance policy is recommended. Find out more about indemnity insurance.
Do I need specialist barn conversion home insurance?
If you own or are buying a barn conversion, you should get insurance specifically tailored for this type of property. Barn conversions often involve non-traditional building materials and methods, and so standard home insurance policies may not provide the correct coverage. To ensure your barn conversion is properly protected, look for home insurance that takes into account its particular construction and any unique features.
At what point do I need home insurance when moving house?
You should have home insurance in place to start from the day you exchange contracts. At this stage, you are legally committed to the purchase and become responsible for the property. Having insurance from the exchange of contracts protects you against any risks that may arise before and after completion. If anything were to happen during this time, you are still obligated to complete the purchase, so insurance from this point is essential. Additionally, most mortgage lenders require you to have buildings insurance in place from exchange to protect their investment.
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