Home insurance guides index

Our home insurance guides give you the facts about house insurance so you can make an informed choice when you compare policies and providers.

Accidental damage and home insurance

Accidental damage cover can be vital to a home insurance claim, but it's not included on all policies as standard. Read our guide to find out more.

Accidental damage and home insurance »

Basics of home insurance

Learn the factors used to determine home insurance premiums and levels of cover, then compare quotes to find the right deal for you.

Basics of home insurance »

Bicycle insurance guide

Should you insure your bike on a home policy or buy dedicated bicycle insurance? Read our guide for the lowdown.

Bicycle insurance guide »

Buildings and contents insurance

Buildings and contents insurance is a combined policy option for home insurance. Read more in our guide.

Buildings and contents insurance »

Buildings insurance

A stand-alone buildings insurance policy offers cover for your property's structure and its permanent fittings and fixtures, but not the contents. Read more in our guide.

Buildings insurance »

Contents insurance

A stand-alone contents insurance policy offers protection for your personal items that are not fixed to your home, but not for the property's structure, nor its permanent fixtures and fittings. Read more in our guide.

Contents insurance »

Flat insurance guide

If you own or rent a flat, then what kind of home insurance do you need - and how can you keep the cost down? Read on to find out...

Flat insurance guide »

Flat roof home insurance

If your house has a flat roof, or even if some of its roof is flat, it can complicate insurance arrangements...

Flat roof home insurance »

Flooding and home insurance

Find out about flood risk and how it may affect your home insurance application, premium and claims.

Flooding and home insurance »

Frequently asked questions on gadget insurance

Get the answers to FAQs on insurance cover for gadgets.

Frequently asked questions on gadget insurance »

Frequently asked questions on home insurance

Get the answers to FAQs on home insurance policies.

Frequently asked questions on home insurance »

Gadget insurance guide

Do you need dedicated gadget insurance to protect your valuables, or does your home insurance offer sufficient cover? Find out more with our guide.

Gadget insurance guide »

Garden insurance guide

Does your home insurance policy cover the items you have in your garden, shed or garage? Get the lowdown with our guide.

Garden insurance guide »

Home emergency cover

Buying home emergency insurance cover can offer valuable peace of mind against things like heating, plumbing and electrical problems - but are the policies worth the price?

Home emergency cover »

Home insurance exclusions

What factors are excluded from house insurance cover? Find out with our guide.

Home insurance exclusions »

Home insurance explained

Learn the basics about home insurance to ensure that you make an informed choice when buying a policy.

Home insurance explained »

How home insurance companies calculate risk and price

Insurance companies use risk-based pricing to determine home insurance premiums - learn the factors involved.

How home insurance companies calculate risk and price »

Legal expenses and home insurance

Do you need to include legal expenses cover when you take out home insurance? Take a look at our guide before deciding.

Legal expenses and home insurance »

Limiting flood risk and damage

Floods are a force of nature that cannot always be controlled, but there are ways to minimise exposure and loss if your property is under threat.

Limiting flood risk and damage »

Personal possessions cover outside the home

Do you need to add personal possessions cover away from home to your house insurance policy? Find out more with our guide.

Personal possessions cover outside the home »

Subsidence and home insurance

Learn what causes subsidence, what may prevent it, the danger signs to look out for and how home insurers deal with subsidence risk and claims.

Subsidence and home insurance »

Thatched roof insurance

How to get insurance for properties with a thatched roof, with details of why choices may be more restrictive and expensive than houses with standard construction.

Thatched roof insurance »