how much is your house insurance
- Thread starter MassiveJim
- Start date
£400/yr (house + contents) used to feel like it was a rip off but our house got hit by lightning a few years ago which damaged the roof and some of my computer equipment. They covered repairs/replacements without issue so don’t feel as bad about it anymore
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Soldato
Yeah cashback is a must.
Soldato
Mine goes up every year, yet I thought this was meant to end, thus I tend to go with whoever.
Current quote for house and contents from Lloyd's is £426 for a large 4 bed house and specified computer equipment cover for £3000.
Current quote for house and contents from Lloyd's is £426 for a large 4 bed house and specified computer equipment cover for £3000.
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- Joined
- 22 Feb 2014
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- 2,760
interesting, I have a few specific items listed, gaming PC, laptop, mountain bike, speakers, etc.
related question, in the case of a total loss event (house fire for example), I assume the insurer wants proof of all of the items that you own, how do you document things like this, is it literally a case of going around the house taking pictures of everything ?
Soldato
These seem expensive. Building and contents is under £200 for me. That's a decent sized four bed house.
Guess like any sort of claim, you'd need to prove it in some way, easier said than done though. I just have pictures of my bikes and jewelry, everything else sits under the contents value which is like £1.5k per item.
Soldato
Building and contents for us is £140 (was £119 last year).
Normal/common 3 bed semi, does have an extension (flat roof) for a utility and WC.
Seems cheap compared to some, and expensive compared to others! lol
Normal/common 3 bed semi, does have an extension (flat roof) for a utility and WC.
Seems cheap compared to some, and expensive compared to others! lol
I was looking for our travel insurance documents and whilst searching I saw an email from Axa about our home insurance renewal and that I'd canceled the auto renewal. In August! Don't tell Nationwide! Did a renewal quote and they want £1100. 
I expect it's quite expensive as I added three watches (2x Rolex, 1x Bremont) to the policy in and out of home, might look into insuring them elsewhere if that's having a huge effect.
Thought I saw someone make this thread and looking through it doesn't seem that the price is that bad.
Modern house, 4 bed, nothing else crazy on the policy.
I expect it's quite expensive as I added three watches (2x Rolex, 1x Bremont) to the policy in and out of home, might look into insuring them elsewhere if that's having a huge effect.
Thought I saw someone make this thread and looking through it doesn't seem that the price is that bad.
Modern house, 4 bed, nothing else crazy on the policy.
That's nuts man. Rolex tax for all the London robberies? I have 15k of watches declared on mine and it's under 300.I was looking for our travel insurance documents and whilst searching I saw an email from Axa about our home insurance renewal and that I'd canceled the auto renewal. In August! Don't tell Nationwide! Did a renewal quote and they want £1100.
I expect it's quite expensive as I added three watches (2x Rolex, 1x Bremont) to the policy in and out of home, might look into insuring them elsewhere if that's having a huge effect.
Thought I saw someone make this thread and looking through it doesn't seem that the price is that bad.
Modern house, 4 bed, nothing else crazy on the policy.
Who are you with? Think I need to go on a comparison site tomorrow, and also look for Top Cashback deals. Pretty sure I've been paying around £3-500 over the past ten years.
Admiral. To be fair I'm on multicar/home and car - but it's still never been more than 300.
Oooh never thought of that, both cars are with Admiral and the renewal is due soon.
Soldato
£49 a year for contents only £50k cover - Hastings Direct. Buildings insurance part of service charge
Associate
Get a quote as if you are a new customer. A quote to renew should be equal to or less than a new customer pays for the same policy. I think one insurance company got a fined for flouting this rule.
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Soldato
£120 for the year with Policy Expert, basic Home and Contents on a 3 bed detached, so no specific expensive items called out.
Probably my most expensive things are my PC and my TV, think they'd be covered by the standard stuff though.
Probably my most expensive things are my PC and my TV, think they'd be covered by the standard stuff though.