Home insurance - tips & advice - understanding home insurance

Most people seem to lead pretty busy lives these days – be it working, looking after the children, household chores and the like – meaning that many of us are ‘time-poor’. For many, the Internet is something absolutely invaluable, allowing them to do their banking, book holidays, and, of course, buy insurance – be it for travel, a car, or for their biggest asset, their home.

For people looking to buy insurance online, the first and most important step is to get a quote to see how much their premium is going to be. When it comes to a home insurance quote, Direct Line is able to provide one in a matter of minutes.

All you have to do is provide some basic personal information, including your name and date of birth. Then some details about the property, including the address, what type of property it is, when it was built and the number of bedrooms. Then you are given your basic quote based on monthly instalments or an annual payment.

Once this is done, you can fine-tune your quote by deciding whether you want contents insurance, buildings insurance or both. Remember to be sure exactly how much contents cover you want. You can use our online calculator first to make sure you get the right amount of contents cover. Then decide if you want any excesses and any additional cover, such as accidental damage, personal possessions or family legal protection.

By tailoring your quote in this way, you can be sure there are no hidden extras and that you have the right level of cover and aren’t underinsured.

Once you’ve got this final home insurance quote, you can go ahead and buy the policy – our site is very secure and is protected by Verisign, a leading Internity security company. It all only takes a matter of minutes, so why not get a quote now.