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Guide to The Home Insurer

The Home Insurer is a relative newcomer to the UK home and landlord insurance marketplace.  It quickly gained a following and is an award-winning UK based insurance company that specialises in property and land liability insurance.

They specialise in non-standard home insurance, which is a sector that included thatched properties, buildings constructed with wood or other non-standard materials, flat roofs, and properties prone to subsidence.

Presently, Swinton provides various insurance options, such as car insurance, home insurance, commercial insurance, taxi insurance, and breakdown cover.

The Home insurance products that are available with the The Home Insurer?

The Home insurer can provide buildings and contents insurance or a combined building and content policy for the follow niches.

  • Block of flats :  If you are the owner of a Block of Flats the home insure can provide you with specialist Block of Flats insurance in order to make sure the building and contents in common are protected against financial loss. This is available to either the freeholder or management company. They are able to insure any size Block of Flats. Cover is available for both purpose built or converted.
  • Flood Insurance : If you are the owner of a property that has flooded previously or a region is that is at risk of flooding, the Home Insurer can provide you with specialist Flood Insurance to make sure the building and contents are protected against financial loss. 
  • Landlord Insurance :   If you are a Landlord, the Home Insurer can provide you with Landlord Insurance to make sure the building and contents are protected against financial loss.  The director of Home Insurer is Jason McClean is a portfolio landlord lending first-hand experience of landlord requirements. They have expertise in flood risk, renovations and unoccupied insurance, letting them assist landlords with any unusual circumstances.
  • Listed Building Insurance
  • Buy to Let Property Insurance
  • Empty House Insurance  : Unoccupied property Insurance will protect you against financial loss when your property is left empty. The cover is aimed at empty properties, so no term limit to how long the property stands empty. Some common reason includes renovation, probate, or if you are a landlord simply waiting on new tenants.. 
  • Subsidence Cover :  This is a specialist product aimed at properties that have suffered from landslip, subsidence or heave in the past. If the past is over 10 years then the home insurer may be able to offer standard home insurance over subsidence insurance which will work out cheaper..

Who underwrites The Home insurer?

The polices home insurance policies are underwritten by a variety of big-name insurers, such as UK General Insurance, Ageas, Allianz, Aviva, Axa, Legal and General, and HSB

How Home insurance is calculated and how to save money on the cost of cover

The cost of home insurance can vary for similar properties due to different factors, some of which you can't control, like the postcode. Here are some factors:

  • Location or postcode: Try to avoid areas with higher crime rates, as they can lead to higher insurance costs.
  • Home security: Making your home safer, like installing smoke alarms and deadlocks, can lower the risk of damage or theft, potentially reducing your insurance costs.
  • Avoid small claims: Small claims might increase your premiums or affect your no-claims discount, so consider covering minor expenses yourself.
  • Claims Frequency : Making frequent claims can raise your risk profile and increase your premiums.
  • Payment frequency: Due to processing fees, making yearly payments can be cheaper than paying monthly. For example, Post Office home insurance might charge a fee for handling monthly payments.
  • Voluntary policy excess: Increasing your excess amount can lower your premiums, but be ready to cover the higher excess if you make a claim.

Compare Home Insurance providers

Are you looking for the best deal on home or landlord insurance? Begin by comparing the options available on the market. Consider checking out providers like Total Landlord Insurance, Aro, Simply Business, and CIA Insurance Services.

How do I get in touch with the The Home Insurer Property Services?

The Home Insurer Contact Details

Phone : 0800 6125764 – Monday to Friday 8 am–8 pm, Saturday 9 am–5 pm and Sunday 10 am–4 pm.

Ground Floor, Thrapston House, Huntingdon Road, NN14 4NF

What can you expect when you contact The Home Insurer?

  • Calls picked up usually within three rings.
  • Your call will be answered by an expert in property and land liability insurance.
  • Preferred way of communication is by speaking with customers : Compared to other brokers they prefer to speak with customers as they find it a , we find it makes for a better understanding of your insurance needs.

*51% of consumers could save £201.06 on their Home Building & Contents Insurance. The saving was calculated by comparing the cheapest price found with the average of the next
fourteen cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from January 2024. The savings you could achieve are dependent on your individual circumstances.

Providers of Home Insurance Include:

  • Policy expert home insurance
  • Adrian Flux Home Insurance
  • Hastings Direct Home Insurance
  • Elephant Home Insurance
  • Bell Direct Home Insurance
  • NIG Home Insurance
  • Cornhill Direct Home Insurance
  • People’s Choice Home Insurance

MultiQuoteTime Ltd Does not recommend any insurance companies. Services offered by this provider may change over time. Always check Ts&Cs.

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