Home » Finance » Home Insurance Checklist

Home Insurance Checklist

If you’re shopping around for home insurance whether its for the first time or you’re renewing your home insurance, use this Home Insurance Checklist’ as a quick reminder on what you should consider before choosing a provider and you can use a online marketplace to help you such as Money SuperMarket in the UK.

For contents home insurance (apartments/flats and houses):

  • Look at the specified amount or limit of contents cover protection
  • Have you got everything valued accurately?
  • Are your antiques or valuables covered, or do you need to take out separate cover for these? It may work out cheaper to get them insured separately with a specialist contents insurance provider.
  • Do you have children or animals? It could be worth adding accidental damage to your policy
  • Do you live in a high crime area?
  • How far outside of your home are your items covered for?
  • Does the policy cover your items when you are abroad?
  • Remember, when it comes to finding a buildings or contents policy for your needs, always give accurate and appropriate information. That’s because when it comes to making a claim, honesty is always the best policy

For buildings home insurance (houses):

  • Look at the specified amount or limit for buildings cover protection.
  • How much will it cost to rebuild your home? Not just the resale value as this may differ wildly.
  • Does the policy cover accommodation for you, should your home become uninhabitable?
  • Does it cover outside buildings?
  • If you are in a high-risk flood area, are you covered?
  • In addition to the overall structure of your property, what permanent fixtures and fittings are covered, if any?
  • Do you live in a high crime area?
  • What about the style of your house? Do you have any unusual features? Or is your property a listed building?

Your home insurance claim may be deemed null and void if you:

  • Provide false information.
  • Have a lack of general maintenance on your policy.
  • Fail to carry out repair work on previous claims.

About Joanna

Checklistables.com Co-Founder

Check Also


The Quillionaire Checklist

The must have checklist for people who want to manage their own money, income, savings and debt to become Quillionaires; introducing the Quillionaire Checklist Continue reading


  1. What an exceptional checklist, will definitely bookmark this page, that way I can always check the list if I decide to get insured elsewhere… Thanks 🙂

Leave a Reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.