Tell us about your home. A verified insurance professional who covers your postcode will get in touch to explain buildings and contents cover, how much to insure for and what to compare, before you commit.
A verified professional will get in touch.
Each type has its own limits and exclusions. Ask what is and isn't included.
The structure of the home and permanent fixtures such as the roof, walls, floors and fitted kitchen.
Your belongings inside the home, from furniture and electronics to clothing.
One policy covering both, often cheaper than two separate ones.
An optional extra for damage you cause by accident, to the building or your contents.
Cover for items you take out with you, with limits.
Add-ons that help with a burst pipe or boiler failure, or with legal costs.
What it would cost to rebuild, which sets the sum insured for buildings.
Your postcode, and the local risk of flooding, subsidence or crime.
Its age, size, construction and whether it is listed or has a thatched roof.
The locks, alarms and window fittings that the insurer requires.
Their total value, and any single high-value items.
The excess you accept, and extras such as accidental damage.
Ask for the firm's FCA reference number and check it on the FCA Register.
And what happens if the amount turns out to be too low.
Including flood, subsidence and accidental damage.
Single-item limits, and security requirements.
The excess, and any separate excess for flood or subsidence.
The cooling-off period, and any fees after it.
We connect you with one verified provider who understands what you need. No hard sell, and no obligation.
Insuring for too little can leave you short when you claim. You hear how the amount is worked out, and why it isn't the market value.
Accidental damage, high-value items and flooding are often treated differently. You hear what to ask about for your home.
You get the options explained. Whether to buy, and from whom, is always your decision.
Buildings insurance covers the structure of your home, such as walls, roof, floors and permanent fixtures. Contents insurance covers what you own inside it, such as furniture, electronics and clothes. Many people buy both together. If you rent, you usually only need contents cover.
If you have a mortgage, your lender will normally require it. If you own your home outright, it isn't compulsory, but you'd have to pay for any rebuild or repairs yourself without it. If you live in a leasehold flat, check who arranges buildings cover, as it is often the freeholder.
For buildings insurance, it is the cost of rebuilding your home, not its market value, and the two can be very different. For contents, add up what it would cost to replace everything. If you insure for too little, the insurer may pay out only part of a claim.
It is an optional extra that covers damage you cause by accident, such as a drill through a pipe or a spilt drink on a carpet. It isn't included in every policy, so check.
Policies have a limit for any single item, and high-value items such as jewellery or art may need to be listed separately. Cover for items you take out of the house may be limited or an extra.
Cover depends on where you live and the policy. Flood Re is a scheme that helps make flood cover more affordable for eligible homes, so ask the adviser how it affects you. Subsidence cover often has a higher excess.
Wear and tear, gradual damage, damage from poor maintenance, and in some policies a home left empty for a long period. Read the exclusions and the conditions you must meet, such as the locks you have fitted.
Since 2022, rules from the Financial Conduct Authority say insurers can't charge existing customers more than an equivalent new customer. It's still worth checking, because another insurer may offer a better deal or different cover.
Most policies come with a cooling-off period, usually 14 days. The terms differ, so check what applies and read your documents.
Complain to the insurer first. If you're not happy with the answer, you can usually take it to the Financial Ombudsman Service, which is free to use.
The type, age and size of your home, how it is built, how many bedrooms it has, whether you own or rent, and your postcode. If you don't have everything, send the request anyway.
No. Namoye is a free matching service. It doesn't sell insurance or give advice. Any quote or advice comes from the firm that contacts you.
No to both. A verified professional contacts you, and Namoye is free for you.
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Namoye is a free matching service. It is not an insurer, broker or adviser, and it doesn't give insurance advice. Any quote or advice comes from the firm that contacts you. Check that a firm is authorised on the Financial Conduct Authority Register (register.fca.org.uk) before you share personal or payment details.
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