Home insurance - tips & advice - understanding home insurance

Flooding brought on by burst water pipes or outside causes not within your control can cause extensive damage to your home and contents. Just one of the reasons why Direct Line emphasises how essential it is to have adequate home buildings and contents insurance.

The chances of your home being damaged by an environmental flood are 1 in 2000. However, recent landmark storms and floods in the UK, where damage has been extensive and severe, have made it even more important to get adequate cover. Flooding and damage caused by burst water pipes is a more common occurrence and along with fire and theft is a major reason to take both buildings and contents insurance seriously.

Under your Direct Line home buildings insurance, your home is covered for up to £1,000,000 to cover the cost of rebuilding your home. This applies to the structure of your home and any outbuildings. Direct Line home insurance covers the damage caused by flooding and burst water pipes, the cost of alternative accommodation up to £25,000 (following an insured event) and provides a 24-hour emergency helpline if you need to get hold of help quickly. To make sure you are adequately covered, use our home contents calculator online.

Direct Line can also advise home insurance customers on what to do if a claim needs to be made because of a storm or flood. A comprehensive report detailing how to avoid, prepare for and deal with storms, floods and potential damage to your home can also be found online.

With our Home Repair Network we can also help you find an approved tradesman in a hurry and pay for them directly. All repair work is guaranteed for 12 months for claims between £2,000 and £10,000. While our Home Response 24 service can help solve home emergencies, including flood-related problems such as blocked toilets, 24 hours a day, 365 days a year.

Find out more about covering your home and contents against floods with Direct Line home insurance, or give us a call. If you’re looking to take out a new home insurance policy, Direct Line offers a good deal better. So, before you arrange your house insurance, get a quote from Direct Line and see how much you could save.