Do I need Home Insurance?
Is theft covered by Home Insurance?
What does accidental damage mean?
Will I need a credit check?
How do I make a change to my policy or make a claim?
Neither buildings insurance nor contents insurance are actually legally required so, technically, no you don’t need them. However, some mortgage providers will require you to have at least buildings insurance before lending you money to make sure that their loan is protected and, without home insurance, you run the risk of being responsible for the full cost of any repairs your home needs after a serious incident like a fire.
Especially if you own your home, getting home insurance is a sensible decision to make sure you’re not caught out unprotected in the event of a disaster.
This will vary from insurer to insurer but, generally, theft of your belongings will be covered by contents insurance. Following the general rule that contents insurance is to cover your possessions while buildings insurance insures you for damage to the structure of your home, standalone buildings insurance typically won’t include coverage for theft.
Again, the definition of accidental damage varies depending on who you choose to take a home insurance policy with. In most cases, however, accidental damage cover will protect you against damage that’s caused suddenly by non-deliberate actions. This could include knocking over a glass of wine and ruining your carpet, drilling into your wall and hitting a pipe, or even a toddler bumping into your TV and causing it to topple and break.
If you choose to pay for your home insurance policy in monthly instalments over the course of the year, it’s likely that a credit check will be necessary to make sure you can pay the full sum back. This will usually be a soft credit check, however, which won’t leave a record on your credit history. When you buy annually, credit checks generally aren’t required.
If you took out a Home Insurance policy after 1st September 2019 and you need to make a claim or any changes to your policy, please contact your provider, whose details will be on your policy documents.
If you took out an Asda Home Insurance policy before 1st September 2019, please call 0800 479 8711 and our team can take you through the next steps.
Lines are open 8am to 7pm Monday to Friday (except bank holidays), 9am to 5pm Saturday. Calls may be recorded and monitored.
Call the team on 0330 0224116