5 Cheap Home Insurance UK Options

Mister Tekno, Some people consider getting cheap home insurance UK that can protect them in case they need to cover any cost if their belongings or damages are stolen or broken. Just like the other insurance types, home insurance also involves a monthly payment premium.

The best insurance for a home is the one that is going to cover the worth of the home contents as well as the true cost of the home and also repair any damage on the building. It is crucial for you to compare policies in order to get the best home insurance detail.

Best Cheap Home Insurance UK

Home insurance itself can be split into two different policies: content insurance and building insurance. You are free to get each of them separately or gain them together in a combined policy. To help you find the best and cheap home insurance policies, here are some recommendations.

1. Esure

If you are looking for a home insurance with a 5 star Defaqto rating, you will want a home insurance by Esure. This insurance provider was established in 2000 by a businessman named Sir Peter Wood. The founder of this cheap home insurance UK provider was also a founder of Direct Line insurance.

Esure was originally launched with some insurance products like car and home insurances but now it also provides many other insurance products like travel insurance. The goal of this company is to offer home insurance at high rate but at a lower cost along with excellent customer service.

The policy of home insurance by Esure covers fire, flood or storm, earthquake or thunderbolt or lightning, explosion, falling branches or trees, landslip or heave or subsidence, smoke, and others.

2. Swinton

Swinton has been providing cheap home insurance UK for over 60 years. The major products offered by this insurance provider are home insurance and car insurance. Swinton offers contents insurance, building insurances, and a combined policy with a discount.

Swinton also offers Essential policy which is the basic option and two other policies named Classic policy and Premier policy. Swinton offers a three levels policy as well as some underwriters. This is going to be the most suitable option for various situations.

Swinton allows the policyholder to manage the policy online simply by clicking the button named My Account that in the homepage of Swinton.

3. Sheila’s Wheels

Next cheap home insurance UK to consider is Sheila’s Wheels insurance that offers contents insurance and buildings insurance. People love this amazing insurance product by Sheila’s Wheels since there is a discount for buying two insurance products together.

Also, Sheila’s Wheels offers family legal protection and home emergency cover for free in the first year when you purchase the combined contents and buildings policy. Sheila’s Wheels itself is a phone based and online based insurance provider that was established in 2005.

The home insurance policy by Sheila’s Wheels covers various risks including accidental damage, impact by an animal or vehicle, escape of oil, escape of water, and many other risks.

4. Policy Expert

Policy Expert is another cheap home insurance UK that has excellent customer ratings. You can get home insurance policy from Policy Expert online by going to the provider’s website directly. This provider is going to ask you to fill out a questionnaire about the home you own.

Policy Expert offers various plans that come with several differences. The main difference between those plans is the limits of the policy. The Essentials plan for example is providing up to £500,000 of the buildings cover and the Premier plan will provide cover up to £750,000.

There is also a Midas plan offered by Policy Expert. This plan provides buildings cover up to £1 Million. In order to save money, avoid buying more cover than you need.

5. Hastings Direct

The last cheap home insurance UK to consider is Hastings Direct insurance that also has a 5 star Defaqto ratings. But the ratings are for Direct and Premier plans, not for the Essential plan. Hastings Direct comes with competitive prices and also a convenient app and online portal.

When you are considering Hastings Direct’s home insurance policies, consider getting the Premier or Direct plan since they have much better features compared to the Essential one.

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So many cheap home insurance UK recommendations may confuse you in choosing the right product. Here are five of the cheapest home insurance policies you need to consider before thinking about the other products from the other companies.

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