Home Insurance

If you have a mortgage then you are required by your mortgage lender to take out buildings insurance. You may apply online through moneyextra.com for competitively priced buildings and contents insurance and be covered straight away. We search through many of the UK's top insurance companies to find you a selection of the cheapest building insurance, home insurance or home and contents insurance available.

Whether you are looking to buy house insurance, buildings insurance or maybe both, you will firstly need to give us some information. Just fill in the online enquiry form in as much detail as possible. If you want household insurance you will need to know the value of the contents of your house before we can give you a home contents insurance quote. Or for buildings insurance, you will need to know the rebuild cost of your property. Be as accurate as you can with your information to make sure you get the cover that best suits your needs.

It is common sense to take out building insurance when you purchase a property. Buildings insurance is designed to cover damage to the structure of your home as well as damage to permanent fixtures and fittings.

In any event, if you're taking out a mortgage, your lender will insist on it as a condition of offering you the mortgage. You will need to know the rebuilding cost of your property so that you may insure for the correct amount. Lenders will usually use the rebuilding cost shown in the valuation report to assess how much buildings insurance is needed, and require that any policy taken out covers at least this amount.

The sum insured under a buildings policy must be the full rebuilding cost of the home. Do remember that neither the market value of your home nor the Council Tax band valuation actually has a direct relationship to the rebuilding cost.