We’ve checked out the home insurance from The Home Insurer to help you decide if you’ll get a good deal.
The Home Insurer is a specialist broker of land and property insurance. It claims to be able to help you keep more money in your pockets when buying cover for any type of property through The Home Insurer. It also offers a price guarantee. Here’s what else we think you should know about broker The Home Insurer.
Who is The Home Insurer?
The Home Insurer is a specialist insurance broker in property and land cover. It offers a range of policies including home, landlord, flood, land, subsidence and unoccupied insurance. It also offers cover for unique homes such as thatched properties or listed buildings.
If no claims are made in the first year of a home insurance policy, then The Home Insurer claims to guarantee that your premium won’t increase if you decide to renew, and may even decrease for the following year.
The Home Insurer is a trading style of Property Expert Ltd, which is authorised and regulated by the Financial Conduct Authority.
What are The Home Insurer’s cover options?
The Home Insurer offers home insurance that includes buildings and contents cover.
What is covered under my policy?
The Home Insurer’s policies are underwritten by a panel of insurers. Cover benefits will vary depending on which insurer is willing to offer you home insurance. Ensure you are getting the cover you need by contacting The Home Insurer for a full list of cover benefits and features in the policy document.
It is unclear from The Home Insurer website whether optional extras are available to enhance a home insurance policy. Please contact The Home Insurer directly to check if any are available.
What is my excess?
Your insurance excess is the amount of money you will need to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount.
You’ll find details about any compulsory or voluntary excesses in your policy document.
How much is this going to cost me?
There are a number of factors that can affect the cost of your The Home Insurer home insurance premium, including:
- Your sum insured. The higher the amount you wish to insure your home or contents for, the more you can expect to pay for cover.
- Your home. The age of your home and the materials from which it is constructed can influence its ability to withstand damage.
- Where your home is located. Certain risks, for example, storm or theft, are more prevalent in certain areas, and insurers will take this into consideration when calculating your premium.
- Security. Security measures such as an alarm system and deadbolts can act as a deterrent to thieves and therefore reduce the cost of your cover.
What is the claims process for The Home Insurer?
You will need to refer to your policy document and follow the claims process contained within it.
Depending on the nature of your claim, you will need to provide the following information:
- Your policy details and personal contact details.
- The date of the incident.
- Details such as the cause of the incident.
- The value of any lost or damaged items being claimed for.
- Names and addresses of any other people involved in or responsible for the incident, including details of injuries.
It’s vital that you let your insurer know about an incident as soon as possible. Failure to do this could result in a rejected claim later on.
The Home Insurer pros and cons
- The Home Insurer claims to beat any renewable price on like for like policies.
- Price guarantee for the second year if no claims are made in the first year.