Below we have outlined the most common questions asked about home insurance.
Please click on a question to get the relevant answer.

Do I have to get home insurance?
What is content and building insurance?
How much does home insurance cost?
How can I save money on home insurance?
Who offers home insurance?
How do I make a claim?
What is voluntary excess?
Is the replacement cost the same value as the sale price?
What isn’t included in the insurance?

What isn’t included in the insurance?

Most insurers will have standard clauses that exempt them from paying out in the event of war, terrorism or invasion, but there may be more exemptions and it’s always best to check your policy for details.

Common exclusions for buildings insurance include:
- wear and tear on your property or contents.
- Leaving the property empty for a long period (your insurer will stipulate the exact amount of time).
- Damage caused by flooding or subsistence if your area suffers from it severely.
- Damage or loss that occurs before you take out the policy.
- Deliberate acts caused by you or any other person lawfully in your home.

Common exclusions for home contents insurance include:
- Damage caused by your neglect
- Costs of routine wear and tear
- Smoke damage
- Damage caused by pets