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Why is Home Insurance so Important?
Your home is probably your single largest investment and your mortgage will be secured against it. If you’re uninsured and your home were to burn down, then not only have you lost your home and largest investment, but you’re still faced with paying back the mortgage in full.
When do you need your cover to be in place?
In most cases, you can be insured immediately online. If you don't want to be insured straight away, then that's no problem. You simply enter a future date you want the insurance to start.
How are the premiums calculated?
All the questions you are asked to complete online will influence your premium even down to your postcode. Within milliseconds all your details will be electronically transmitted to a main computer which works out your premium.
Do you have to buy your Home & Contents Insurance through your mortgage lender or mortgage broker?
No, you can buy your Home and Contents wherever you choose. And you’re likely to make a significant saving buying here online.
Complaining about a Home & Contents Insurance Broker
The insurance industry is now regulated by the Financial Services Authority.

Will Home Insurance cover your garage, sheds,
greenhouse and outbuildings?

Usually they will – but you will have to check the details of the insurance you are being offered.

You should find the details on the Key Features Document which you can view or download, after you have received your quotation. If you are in any doubt phone the Customer Information Desk for Home and Contents Insurance.

Please specifically check out what your proposed policy includes.
Conditions and levels of cover do vary between insurance companies

Frequently Asked Questions related to the above topic.
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