Home Insurance You can now compare cheap Home Insurance quotes to see if you can save


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Why compare Home Insurance with Asda?

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Cheap Compare cheap quotes from multiple insurers to find the best value policy
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Quick Save time by getting multiple home insurance quotes in minutes
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Flexible Personalise your quotes and only pay for the cover you need

Looking for cheap Home Insurance quotes?

Getting a Home Insurance policy that doesn’t break the bank is easier with Asda. You can gather quotes from multiple insurance providers so you can compare them all in one place and find the best policy for you.

Whether you’re trying to insure a house, a flat, or just the contents of your home, you’ll be able to find a quote that suits you by comparing with Asda.

All you have to do is fill out one set of questions and the rest of the work is taken off your hands. You'll be presented with a selection of quotes that fit your needs so you can make the right choice.

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What is Home Insurance?

Home Insurance is a type of insurance that covers your home for damage caused by insured events or accidents. It’s generally made up of two parts, buildings insurance and contents insurance, that can be bought individually or together.

When you have Home Insurance, you’re able to claim for help covering the cost of damage to your home, its contents, or both. If there was a fire in your home, for example, Home Insurance would mean that you could make a claim to cover the costs of the damage it caused, as long as you had the right level of coverage.

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What does Home Insurance cover?

What is actually covered by Home Insurance depends on the policy you choose and can range from standard perils like fire, storm, flood or burst pipes, to accidental damage to your belongings. You can choose what you want to be covered against to make sure you’re not paying more than you need to.

There are two main types of home insurance, buildings and contents, which you can choose to buy together from the same insurer, separately from two insurers, or individually.

This is what the types of home insurance cover:

Buildings insurance

Buildings insurance is the part of home insurance that covers the general structure of your home – usually including the walls, floors, ceilings, roof, and plumbing. Depending on which insurer you choose to buy from, it could also include other parts of your home like garages, sheds, and permanent fixtures like fitted kitchens.

Buildings insurance policies cover what are known as specified perils, and everything that you’re covered for will be listed in the policy document itself. Specified perils can include fire, flooding, vandalism, and other potential dangers to your home. Accidental damage coverage can also usually be added, which covers a broader range of accidents in the home that cause damage to your home’s structure.

Without buildings insurance, you’d have to pay for repairs for any damage caused by these events or accidents yourself, which could be a huge, almost impossible expense. With it, you should be able to make a claim and get a pay out from your insurer.

Although buildings insurance isn’t legally required, some mortgage providers will insist that you have it before offering you a mortgage to make sure that their investment in the property is protected.

Contents insurance

Contents insurance covers all of your belongings in and around the home. This can include anything from carpets, to furniture, to your jewellery.

Just like buildings insurance, contents insurance policies are on a specified perils basis and what damage is covered will depend on your provider. Again, the perils you’re covered for will be listed in your policy, and could include escape of water and theft. However, usually with contents insurance, some non-specified perils such as accidental breakage of mirrors, ceramic hobs, and televisions will be included in a basic policy.

Further accidental damage can also be added to contents insurance policies to cover damage to your furnishings or belongings resulting from less predictable accidents in the home, whether they’re caused by you, children, or guests.

Contents insurance pay outs are based on value, so in the event that your possessions are affected by an insured event, you can claim for the value of the damaged goods. However, it’s worth noting that most insurers have what’s known as a ‘single item limit’, which is essentially a cap on the maximum value of any one item covered under the policy, usually upwards of £1500.

Any items you want covered above the maximum value your insurer states can still be added to the policy as specified items. You might want to consider adding coverage for specified items if you own anything particularly valuable like artwork, musical instruments, or high-end technology.

Contents insurance can also often be extended to cover the belongings that you take out of your home with you, such as your mobile phone, handbag, or laptop.

In some cases, such as if you rent your property, are a student, or own a flat in a managed apartment block, you won’t need to buy buildings insurance as it’ll be arranged by the owner of the entire building. However, it’s extremely rare for contents insurance to also be included in these circumstances.  

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What you need to get a Home Insurance quote

Home Insurance quotes are generated from lots of different factors, all of which affect the price you end up paying. You’ll be asked some straightforward questions when you compare home insurance quotes with Asda and there are some key things you should have in front of you to make sure you’re ready to answer.

Not everything you need is included here, but these are five of the most important details to have with you:

Details about your home

Basic details about your home including when it was built, how big it is, if it’s close to a body of water, and when you moved in are all important factors in home insurance, so make sure you have these details ready. You might also need to provide the estimated rebuild value of your home. This isn’t the market value of your home, just the cost of rebuilding it to similar standards as it was before being damaged.

The value of your contents

If you’re looking to compare contents insurance, you’ll need to know roughly the replacement value of all of your contents. You don’t have to be exact with this figure, but since contents insurance pay-outs are based on the value you provide, be as realistic as possible.

Details of previous Home Insurance claims

As with any other type of insurance, you need to disclose any previous home insurance claims you’ve made when you’re looking for a new quote. If this information is not on your most recent home insurance renewal documents, you can contact your previous insurer and they should be able to help.

Security features of your home

The security of your home is another factor that’s used to come up with policy prices, so we’ll need to know what types of locks your home has and whether there are any other security features like security alarms.

Details about your roof

Because the roof of your home is such an important part of the structure, information about what it’s made of is really important. Before you start to compare home insurance, find out what material your roof is made of, whether that’s slate, tiles, timber, or something else. You’ll also be asked about the shape and structure of your roof, as things like a high percentage of flat roofing could change your policy cost.

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How to save money on Home Insurance

Home Insurance can end up being a big expense, so it’s good to know how you can save money while still making sure you’re covered for everything you need to be.

There are lots of ways to cut the cost, but here are three of the most important to remember if you’re looking for a good deal:

Shop around

The best way to make sure you’re not paying over the odds for Home Insurance is to shop around rather than just buying the first quote you get. Using a home insurance comparison tool like ours makes this much easier than it used to be – just fill out one set of questions and you’ll receive a number of quotes that meet your needs, leaving you to choose the best one for you.

Buy a combined policy

Although in some cases choosing to buy just buildings insurance or contents insurance is a smart move, if you plan on getting both you could save money by buying them together. Insurers will often offer discounts on combined buildings and contents insurance policies, meaning you’ll pay less than if you bought them separately.

Avoid unnecessary coverage

Although not as customisable as some types of vehicle insurance, home insurance can be tailored to your needs with optional extras. These are add-ons to your home insurance policy, such as cover for accidental damage to your building, home emergency and legal expenses. Make sure that you only choose the extras you need and you could keep down the overall cost of your policy.

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