The Benefits of Home Insurance

Date posted: November 17, 2015

home insurance






The Benefits of Home Insurance

Most property owners don’t want to think about the worst happening, however, if it does, a home insurance can be a valuable asset to turn to; home insurance provides essential coverage in the event of damage to the home as a result of a fire, flooding, storms, theft, or other harm that might occur.

Detailed below are the key benefits to having home insurance

Reduced financial strain – damage to the home could lead to a severe dent in the finances if a family suddenly has to find the money to cover the cost of repair work. If a home owner isn’t insured then the main options would be a loan or credit card, however, an insurance policy would help to cover the costs of repairs without the property owner having to worry about added interest.

Affordable – home insurance policies are affordably priced and are within most people’s budgets. Policies can often start at £10 a month or less; it could be argued that an insurance policy is a worthwhile investment for every homeowner if they don’t want to be faced with costly bills should the worse occur.

Less stress – if significant harm is caused to the home – or if it’s broken into – this is already a major cause of stress. However, without insurance this stress and strain would be made far worse.

Peace of mind – many people find themselves worrying about what would happen if their home was to be affected by flood, fire etc.; while no one can prevent the worst of things occurring, having insurance coverage is one way of gaining peace of mind by knowing the costs would be covered.

Extra coverage – by selecting optional extras, a homeowner can also access affordable coverage in the event of a breakdown, and crucially family legal cover can be built into the policy.

For instance, family legal cover is essential for covering the costs of a personal injury or should an individual becomes embroiled in an employment dispute. In addition, it can provide coverage for legal claims and faulty goods.

Tailored policies – a bespoke policy will ensure the homeowner has the right coverage for their own personal needs. Everybody’s requirements are different, and each homeowner can get a suitable level of coverage depending on their individual circumstances.


To get a free quote simply call 01423 504 689 or apply online by clicking here

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NCI Insurance Services Ltd (Registered in England & Wales No. 04741145). Registered Office: 4th Floor Clarendon House, Victoria Avenue, Harrogate, North Yorkshire HG1 1JD. NCI Insurance Services Ltd are an Appointed Representative of Jigsaw Insurance Services Ltd, which is authorised and regulated by the Financial Conduct Authority (Firm Reference: 307654).