Home Insurance

Home Insurance

For most people, a home is one of the most valuable assets they own. Purchasing a house takes a lot of time, planning, and investment, and any homeowner will want to protect their home and its contents no matter what. No matter how careful and diligent you are, any number of unforeseen circumstances could befall your house at any time, so you should always have an adequate home insurance policy to protect you and your property.

What Is Home Insurance?

A home insurance policy is usually twofold. It provides you with building cover to protect your house in the event of a fire, flooding, storm damage, or any other disaster requiring costly repairs. It can also offer contents protection, which gives coverage to your belongings, such as furniture, electronics, and valuables. You can have one without the other, but most homeowners will want to protect both their house and their personal belongings.

What Are The Benefits Of Home Insurance?

Home insurance is a necessity for any homeowner, as it prevents substantial financial setbacks if anything happens to your house. Here are just a few of the benefits of a robust home insurance policy:

 

  • Offers peace of mind and financial security in any eventuality
  • Protects you from financial loss due to unforeseen damage and natural disasters
  • Extend your policy to cover other components such as a garage, shed or garden
  • A home insurance policy is very affordable, compared to the potentially huge costs of repairing and replacing damage to the home
  • Liability protection if a third party is damaged or injured as a result of your property
  • A bespoke policy
  • Dedicated account manager

 

Get in touch now to find out more about home insurance.

RECENT POSTs

FCA Outlines New Rules To Improve The Insurance Market And Lower Prices

by Niraj Mamtora • 2 June 2021
At Forum Insurance we know that if we look after our clients, our clients will look after us. With over 30 years of experience we ensure our clients have the correct covers tailored to protect themselves and their business. We use our extensive access to the wider insurance market to find the best cover at the best price. We are pleased to see the Financial Conduct Authority (FCA) announce that from January 2022 home and motor insurance policies renewals will be offered the same price as new customers. Sheldon Mills, Executive Director, Consumers and Competition at the FCA commented; “These measures will put an end to the very high prices paid by many loyal customers. Consumers can still benefit from shopping around or negotiating with their current provider – but won’t be charged more at renewal just for being an existing customer.” Click here to read the full press release. This is already a part of our renewal process; as we approach the insurance market and search for the best cover and price for each policy. This is one of our key reasons we have a 4.8 out of 5 star rating online . The new rule set by the FCA will improve genuine competition within the insurance market, as firms will no longer be able to offer below-cost prices to attract new customers. This predatory pricing practice harms consumers long term by increasing insurance premiums for everyone. We look forward to seeing the FCA’s next steps and welcome any changes that improve the insurance market for our clients. Want to experience how we put our clients first? Call us on 0208 909 2899 and get a same day quote.
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