Home Insurance - Frequently Asked Questions
Here you'll find a variety of frequently asked questions about home insurance, ranging from what home insurance is to the importance of having the right level of cover.
We hope you find these questions and answers helpful - if you have a question that isn't covered or would like to talk to us about home insurance please call us on 0345 601 3344. Alternatively click here to get an instant quote - it will be valid for 180 days, so you'll have time to make up your mind.
Home insurance cover comes in two parts, buildings insurance and contents insurance. You can choose either one or both of these based on your needs. Buildings insurance covers your bricks and mortar, and contents insurance covers your belongings.
Our Cambridge Home Insurance provides the following cover:
Buildings insurance will cover the rebuilding costs of your property. Your home, garage, greenhouse or any other building forming part of your home will be covered against a wide range of risks including fire, storm and subsidence.
Contents insurance will provide core cover for your possessions like: furniture, household goods and carpets against theft, damage and loss. You can add on additional contents such as personal items or a bicycle can be added to your policy giving you peace of mind that you have the right level of cover and that you only pay for what you need.
You receive a discount if your buy a combined policy through Cambridge Home Insurance.
Get a free home insurance quote now – remember this will remain valid for up to 180 days
Whether you have a mortgage, own your home out-right or are renting, you need home insurance. If you are applying for a mortgage, most lenders will require a home insurance policy to be in place as a requirement of the loan.
Buildings insurance covers your home against a wide range of risks including fire, storm and subsidence.
Contents insurance can give you peace of mind that your possessions are covered if you suffer a loss. Cambridge Home Insurance can be tailored so that it covers the items you need it to. Why pay to insure a bicycle if you don’t have one? Or if you have an expensive bicycle, you need to make sure it is insured for the correct value.
If you are renting a property then the property will most likely be covered by the landlords’ buildings insurance policy. You may want contents insurance to help cover the cost of replacing your things if you suffer a loss.
What’s covered by a contents insurance policy can vary depending on the insurance provider. Cambridge Home Insurance provides cover for your furniture, household goods and carpets – up to £50,000 as part of your core cover with the option to increase if required.
The cover includes:
- High-risk items within the home – up to £7,500 in total, and up to £1,500 for a single item (High risk items are classed as clocks, paintings, works of art, stamp or coin collections)
- £1,000 cover for frozen food
- Your contents sum insured is automatically increased by £3,000 for wedding/birthday gifts within the home against loss or damage one month before and one month after your wedding or birthday
- Your contents sum insured is automatically increased by £3,000 during any month in which you celebrate a religious festival
- Home office equipment up to £5,000
Additional contents such as personal items or a bicycle can be added to your policy so you only pay for what you need.
It's important to make sure you are adequately protected, so if you suffer a loss, you can claim the full amount to cover your possessions. If you do not have the right level of cover you run the risk of being under-insured and your claim being reduced. This means you are unlikely to be able to claim enough to cover your losses.
With Cambridge Home Insurance it is easy to make sure you have the right level of cover, it provides core cover for both buildings and contents policies plus a range of Extra Cover Options. This allows you to tailor the level of cover to suit your circumstances, paying for what you need.
Our friendly staff would be happy to help you check you have the right level of cover.
If you decide you want to move your home insurance policy some providers may charge you a cancellation fee or make you pay the remainder of your policy premium in full.
If you have our Cambridge Home Insurance policy and wish to cancel it we do not charge a cancellation fee, and we will not ask you to pay the remainder of your policy premium in full.
You should always find out the impacts of moving your policy to another provider, so that you can make a decision based on all the facts and you are aware of any associated costs.
Cambridge Home Insurance buildings and contents insurance quotes are valid for 180 days (approximately 6 months) giving you freedom to move your policy at a time that suits you.
What personal items are covered by a contents insurance policy can vary depending on the insurance provider. Personal items can include items such as jewellery, watches, sports equipment, spectacles, credit or debit cards and cash.
Cambridge Home Insurance gives you the option to add Personal Item cover or High Value Personal Items cover to your core contents cover. This allows you to tailor the policy so you only pay for what you need.
You need to check your insurance policy carefully to determine if your bicycle is covered by your policy and if so how much is it covered for.
Cambridge Home Insurance gives you the option to select bicycle cover or specified bicycles for bikes that are over £500 each. This means that you can set your own level of cover depending on your requirements and you only pay for what you need.
Your home insurance needs will change over time depending on your individual circumstances. It is important to call your insurance provider if you think your cover levels need to change.
Making amendments to your policy may have an impact on your insurance premium and therefore mean the amount you pay may change, but it is best to tell your insurance provider so they can make sure you are covered in case you ever need to make a claim.
Some insurance providers may charge an administration fee for making changes to your policy, we don’t, we recognise that your needs change.
We understand that your time is precious, to help you at the busy times of year our Cambridge Home Insurance contents cover automatically increases by £3,000 for one month before and after a birthday, wedding or religious holiday, giving you extra cover when you need it most.
It is important to make sure that the level of buildings and contents cover you have meets your needs.
Most insurance providers set the level of buildings cover high enough to comfortably cover the cost of rebuilding your property, contents cover is often where you have more flexibility to tailor the policy to meet your needs. It is always best to check with your provider to make sure the cover meets your expectations.
Cambridge Home Insurance has core buildings and contents cover with the opportunity to add Extra Cover Options.
- Personal Items
- High Value Personal Items (which are over £1,500 each)
- Technology and Entertainment Cover
- Garden Cover
- Bicycle Cover
- Specified Bicycles
- High Risk Items (High risk items are classed as clocks, paintings, works of art, stamp and coin collections)
- Legal Expenses Cover
- Home Emergency Cover
For most of the above options you also get to select the value of cover that suits your requirements so you only pay for what you need.
Contact us to discuss your needs, we can help you to choose the right level of cover.
Most insurance providers define accidental damage as an unexpected one-off incident that causes damage to your property or its contents. Depending on the insurance provider the policy may vary in terms of what is included or excluded.
It’s important to know what’s covered under your standard policy before deciding if you feel you would benefit from accidental damage cover.
Cambridge Home Insurance has the option to add accidental damage cover for buildings or contents, you choose whether you want this cover as part of your policy.
The buildings accidental damage option provides cover for accidental, sudden and unexpected damage to buildings. e.g. damage to a kitchen or sanitary ware. It also includes accidental breakage to drains, pipes, cables and underground tanks.
The contents accidental damage option provides cover for sudden, unexpected damage to contents. e.g. dropping a vase or spilling something that stains the carpet.
If you are renting a property then it is the landlords’ responsibility to make sure the building is insured. You may want contents insurance to help cover the cost of replacing your things if you suffer a loss. It is unlikely that your possessions will be covered under your landlords’ insurance policy.
Cambridge Home Insurance gives you the flexibility to tailor your contents policy so that you only pay for what you need.
Most insurance providers will offer home insurance for landlords – often referred to as Buy to Let insurance.
If you own a property and have an outstanding mortgage balance then you will normally need to have buildings cover to meet the terms of the mortgage loan. If the property is mortgage free you still need to think about making sure your investment is covered against a wide range of risks including fire, storm and subsidence.
If the property you wish to rent out is leasehold, then Buildings cover is often included as part of your annual management fee.
Depending on whether you decide to rent the property furnished or unfurnished will affect the level of contents cover you require. If the property is unfurnished you may want to consider cover for any white goods or carpets etc. If you are renting the property furnished you may want to consider making sure your personal items are covered. It is important to make sure you have the right level of cover for your circumstances.
Cambridge Home Insurance allows you to tailor your contents policy so you only pay for what you need.
If you would like a free quote for Buy to Let home insurance then please feel free to get in touch.
Help with your home insurance
Protecting your home and possessions is important but doesn't need to be confusing. Our friendly, knowledgeable staff will guide you through the process to find the right level of home insurance for you and ensure you only pay for the cover you need.
Call 0345 601 3344 or pop into your local branch.
Full details of policy cover will be issued following acceptance and should be checked to ensure all your needs are covered.
Cambridge Home Insurance is subject to acceptance criteria; underwriting and conditions apply