Home Insurance

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  • Save up to 35% on your current premium*
  • Building and/or content cover
  • Fully customized policies for home owners and tenants

A house is such a massive and long-term investment that opting for a comprehensive home insurance policy is the only sensible way ahead.

Home Insurance Is A Safety Net

Whether you live in a modest one-bedroom house or a luxurious penthouse, there are so many potential threats that could shatter your financial stability.

  • Natural disasters like flood, fire, storm, fallen trees, lightning, etc
  • Weather Damage
  • Vandalism, Theft, and Burglary
  • Electrical, Plumbing and Structural Damages

Not only does the brick and mortar structure of your home require protection, but your belongings inside the home also need to be adequately covered against all kinds of losses. The right home insurance plan can ensure complete peace of mind for you and your family. And more than anything else, it guarantees the continuity of your home as the longstanding asset you can fall back on during tough times.

While most of us scramble for cheap home insurance, the right thing to do first is to understand the various types of home insurance. In fact, there is so much information to absorb here such as varying levels of covers, riders, optional benefits, blanket policies, flexible/combined plans and so on. Naturally, when it comes to cheap home insurance, it is important to look at the complete picture rather than a skewed version.

Home and Building Insurance

As its name suggests, Home Building Insurance covers all the structural elements of your house. It is a must-have cover for homeowners because the entire building in itself gets covered including the foundation, roof, walls, finishes, permanent fixtures and fittings, electrical systems, plumbing systems and so on. Apart from the structural aspects of the main house building, Home and Building Insurance also includes the protection of your garage, shed, garden, etc.

Home Contents Insurance

Home Content Insurance refers to the cover provided for all your movable belongings inside the house. It includes furniture, electrical appliances, drapery, clothes, jewellery, artwork, antiques, documents and all other personal belongings.

If you are renting a house in the UK, the rental agreement would put the onus of home and building insurance upon the homeowner. But this lease agreement does not include any single belonging of yours inside the house. So home contents insurance is a must-have for tenants to keep their belongings risk-free.

Combined Home Insurance Cover

As a homeowner, if you are staying in your own house instead of renting it, you obviously require both, Home and Building Insurance as well as Home Contents Insurance. Legal cover and key cover are some of the optional add-ons you could opt for. In such a case, it is always advisable to get a combined home insurance cover that includes the building, contents and optional riders.

Cheap Home Insurance From UK’s Top Underwriters

Conducting a market survey, followed by analyzing and comparing the various quotes from leading insurers can be a tedious process. Also adding up the ‘must-knows’ about the latest covers and riders, narrowing down on the right home insurance is certainly not a linear task.

As UK’s most reliable independent insurance broker, Rhinosure can bring you personalized policies and affordable quotes for Home Insurance. Our sole objective is to ease out your quest for the right home insurance, saving you plenty of time and money. If professional acumen and value for money are what you seek, your search for the best home insurance plan ends right here!

Home Insurance Checklist To Get Started

Several factors determine the kind of home insurance you require and the amount you need to be insured for. This checklist will come in handy for sure!

  • Age of the house/building
  • Overall Construction quality and roof type
  • Proximity to water bodies
  • Commercial use if any
  • Whether you rent it out or live in or if its empty
  • Whether the building is listed or not
  • Maintenance/repairs/renovation status
  • Proximity to large trees/ landslide-prone areas
  • History of damage if any

Whether you are on the lookout for a cheap home insurance quote, or you simply have a query, our team at Rhinosure will be glad to assist!

Bespoke Policies Are Our Specialty

Give us a call today or request a quotation online to get a fully customized home insurance with just those covers that you need.

How To Keep Your Home Insurance Cost Low?

While our Home Insurance Experts are just a phone call away to provide the best quotes for a cheap home insurance policy, here are some important tips to keep insurance cost down.

  • For homeowners, opting for a combined plan (buildings plus contents plus add-ons) is always more cost-effective. But opt for such a policy only as per your requirements. Investing in a one-size-fits-all, dirt-cheap plan can leave you underinsured and cost you much more in the longer run.
  • Most reputable home insurers across the UK promise sizeable discounts for installing the recommended home security systems.
  • Annual lump sum payments mostly demand lower interest charges, as compared to monthly or other flexi-pay plans.
  • Voluntary Excess is the amount you offer to pay (over and above the compulsory excess) in a total loss scenario (when you are claiming the entire cover). Deciding on a higher voluntary excess (as long as it is affordable) will lower your home insurance premium automatically.
  • Protecting your no-claims bonus will fetch you attractive discounts with UK’s best home insurance service providers