Your own home was probably one of your very first investments. We can cover your building and contents with our same simple, no-nonsense, no-fuss service. We know exactly how busy landlords are, so we’re here to make your home insurance as easy as possible, too.
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At Simple, we don’t just do landlord insurance, we do home insurance too – so you can get peace of mind for all of your properties.
What does home insurance cover?
- Get cover for your building, up to £600,000
- Get cover for your contents, up to £60,000
- Get public and personal liability up to £2,000,000 – in case someone gets hurt in or around you home
- Get cover for fire, theft, subsidence, storm and flood damage, plus 24 months alternative accommodation if you need it after a claim
- Insure personal belongings away from the home
- Add on Home Emergency cover to get boiler repairs, pipes and drains fixed fast.
Take a look at our full policy documents here to find out exactly what’s included and excluded in a policy.
Frequently Asked Questions
What is home insurance?
Home is where the heart is – in fact it’s probably where most of your stuff is, and it’s probably one of your largest investments. Home insurance is about protecting all of that in case of damage or loss.
Home insurance normally comes in two halves - buildings insurance and contents insurance. You can choose either one or both of these, depending on what you need, and what level of cover you need, too.
Buildings insurance covers your bricks, mortar, pipes, beams and bones of your structure. Contents insurance covers the stuff inside – like your fridge, freezer and furniture.
You’ll also get some level of liability insurance, in case someone gets hurt in or around your home, and the option to add-on things like accidental damage, away from home cover (for your glasses, mobile phone or laptop), and home emergency cover (to sort out leaks, broken boilers or blocked drains in super-quick time).
How does home insurance work?
Call up an insurance company or go online, answer a few questions about your property and its contents, and get yourself a quote. It’s always worth comparing several quotes to check you’re getting the right deal, and looking at what’s included and what’s excluded, so you’re getting the right cover for YOU.
If something happens to your property and you need to make a claim, ring up your insurer, let them have the details, and let them sort it all out for you.
Is home insurance compulsory?
Home insurance isn’t a legal requirement – but unless you can afford to rebuild your house from the ground up out of your back pocket, it’s probably advisable sensible to have it!
In fact, if you have a mortgage your mortgage provider will more than likely insist on at least buildings insurance to protect their investment.
What to look for in home insurance?
The fact is that most people buy insurance simply by getting a range of quotes and looking at the prices. But watch out – the cheapest policy might not cover you for everything YOU need. Always check the inclusions and exclusions to make sure they work for you and your property.
You should also look out for quality markers, like the independent Defaqto stars, which rate financial services out of 5, and reviews or customer feedback. Again, there are independent companies where customers can rate financial services – for instance Feefo.
What information will I be asked for when I call or go online for a quote?
It’s worth having your ducks in a row before you pick up the phone or go online. Some of the things you might be asked include:
Your Building Sum Insured
This is what it would cost you to rebuild your property from the ground up, including equivalent materials and labour. It is NOT what you bought the property for, or its resale value.
If you don’t know your Building Sum Insured, you can use this handy calculator from BCIS (the Building Cost Information Site from the Royal Institute of Chartered Surveyors). Or you might find that your insurer has a standard, set level that will just meet your needs without the need for any maths.
Either way, don’t worry, call up and your insurer should be able to talk you through your options.
Whether your locks are up to scratch
You might be asked whether your property has its own entrance, and whether external doors have a minimum of five lever mortice deadlocks, or if your windows have locks and keys.
If you don’t know the answer to this question off the top of your head it might well be worth checking!
What kind of alarm system you have
You might be asked what type of alarm system you have, so it might be worth digging out the manufacturer’s manual, or at least noting down the type and model before you call. You might also be asked if it’s regularly maintained, so that’s another thing worth checking your records for.
Get in touch
For sales or renewals, contact us on:
Tel: 0330 100 7205
To report a claim for Loss or Damage, contact us on:
Tel: 0330 100 7205 (option 1)
“Great customer service & very competitively priced! Should have switched to them sooner!”
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Why choose us?
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- At Simple Home Insurance, we believe in keeping things simple.
- We like to use plain English, we don’t like hidden costs, and we don’t like a lot of fuss. We bet you don’t either.
- No gimmicks, no jargon - just competitive prices for quality cover.
- If you need help, you’ll talk to our friendly, Yorkshire-based team on the phone.
- You get peace of mind, and we get happy customers.