Why do I need home insurance?
Your home is by far the most valuable thing that you own. Without cover, you risk having to pay for replacements or repairs if something happens to your home or belongings.
Buildings insurance protects you against the cost of repairing or rebuilding your home if it’s damaged or destroyed. It covers the structure of your home (the roof, walls and windows). It also covers any permanent fixtures and fittings, such as fitted kitchen units and bathroom suites.
Contents insurance covers the cost of replacing or repairing possessions if they’re damaged, destroyed or stolen while they’re inside your home. Contents are things you’d take with you if you moved home. Including your furniture, kitchen appliances, curtains, bedding, clothing, television, computing equipment and jewellery.
Home insurance isn’t a legal requirement, however most mortgage lenders will require buildings insurance to be in place before exchanging contracts.
The benefits of this product include…
Highly rated cover and car
We’ve been awarded 5 Star Defaqto rating for over 10 consecutive years and are rated Excellent on Trustpilot*. We’ll drop everything (except the phone) to be there.
Our best available deal every year
We’ve always treated loyalty like royalty so you’ll get our best available price at every renewal.
No cancellation or adjustment fees
We’re transparent, we don’t have any cancellation or adjustment fees.
What does this product cover?
At Uinsure we design our products to ensure they’re always 5 Star rated, with high cover limits and low excess options, ensuring you’re protected. For full details of what’s covered and what’s not covered please refer to the Home Insurance policy wording booklet.
What's covered
£1m of buildings cover
£75k or £100k of contents cover
Up to £1m for tracing the source of leaks in your home
What's not covered
Damage due to wear and tear
Incidents that occurred before the policy started
Where the property is unoccupied for more than 60 days
Boost your product with optional add-ons
These come at an extra cost, but may give you additional peace of mind that you’re protected.
Call our helpline (24/7 all year round) and you won’t have to worry about finding a tradesman at short notice or paying over the odds for emergency assistance. We’ll send an approved tradesman to make your home safe, secure, habitable, and help prevent further damage.
Disputes can occur at any time and range from employment issues, personal injury claims and problems with tradesmen working at your home. Our legal cover is here to help.
Accidental Damage Cover is designed to protect your buildings and / or contents against damage that is caused by unintended mishaps, which could include spillages and breakages in the home.
Standard contents insurance only covers items inside the home – not outside. If you need to cover items such as cameras, mobile phones, bicycles, watches and jewellery when away from your home then you can add Personal Belongings cover to your home insurance policy.
Buildings Insurance
Buildings Insurance covers the structure of your home and any permanent fixtures and fittings.
Contents Insurance
Contents Insurance covers the cost of replacing or repairing your possessions if they are damaged, destroyed or stolen.
BTL/Landlords
BTL/Landlords Insurance protects landlords who are renting their property out to tenants from the risks associated.
Non-Standard
Non Standard insurance is cover for anything that falls outside of Standard Home Insurance limits and requires bespoke cover to ensure you’re protected.
Home insurance FAQs
To cancel your policy, fill out our cancellation form, give us a call on 0344 844 3844 or email policyholders@uinsure.co.uk.
We’ll give you a full refund if you cancel within 14 days of your policy starting, or when you received your policy documents, whichever is later.
You can cancel at any other time and providing no claims have been made, and nothing has happened that could lead to a claim, you will be entitled to a partial refund of any premium based on the remaining time left on your policy.
/home/cancel-my-policy/?utm_source=brochureware&utm_medium=button&utm_campaign=faqUnlike most other insurers, Uinsure does not charge a fee for amending your policy.
To make a change, simply call us on 0344 844 3844 or email policyholders@uinsure.co.uk.
For your continued protection and to ensure that you are fully insured at all times, your home insurance policy will automatically renew each year, unless you have specifically opted out.
To opt out, email policyholders@uinsure.co.uk a minimum of 30 days before your renewal date.
Your home is by far the most valuable possession you own. Within it is all your personal belongings and the place you feel safe.
However, despite the best protection in place, there is always a risk of fire, theft, damage and natural disasters that can strike unexpectedly. To protect your home against this you will need home insurance. This is an investment to protect your home and belongings in case disaster struck.
Without insurance it is unlikely that you’d be able to afford to repair any damage that should occur which is why it is so important.
Home insurance isn’t a legal requirement, however most mortgage lenders will require buildings insurance to be in place before exchanging contracts.
This provides cover up to £150,000 per claim and gives you access to legal expertise covering a range of situations. Examples include
- tax
- employment
- residential disputes
- personal injury claims
- consumer protection issues.
Family Legal Protection cover is provided by our partners, ARC Legal Group. You can contact them on 0330 165 9057.
Home emergency is an optional extra cover which you can add to your policy for an additional cost. It provides 24/7 home emergency assistance to cover the cost of
- repairs, parts and call out charges for loss of heating
- failure of all electricity
- removal of vermin
- securing your home.
If you have a flood or a fire this is different and you should call us on our emergency number.
Home emergency cover’ is provided by our partner ARC Legal Group. Contact them to make a claim 24/7 on 0330 912 9961.