Accidental damage cover: is it worth adding?
Accidental damage cover explained: what it covers, why it is usually an optional extra, buildings versus contents accidental damage, and whether it is worth adding.
Subsidence: what your home insurance does and doesn't cover
Subsidence and home insurance explained: what subsidence is, the warning signs, what is covered, the higher excess, trees, and what to do if you suspect it.
How to make a home insurance claim
How to make a home insurance claim step by step: making things safe, documenting damage, the loss adjuster, your excess, whether to claim, and challenging a rejection.
Personal possessions and away-from-home cover explained
Personal possessions cover explained: how away-from-home cover protects items you take out, specified versus unspecified items, single item limits, and whether it is worth it.
Home insurance explained: buildings vs contents cover
Home insurance in plain English: the difference between buildings and contents cover, who needs which, what it costs, and how to choose the right policy.
Do you need both buildings and contents insurance?
Do you need both buildings and contents insurance? Who needs buildings, who needs contents, how leasehold flats work, and when a combined policy makes sense.
Contents insurance: what it covers and how to value your belongings
Contents insurance explained: what counts as contents, how to value your belongings, new-for-old versus indemnity, single item limits, and why tenants need it.
Unoccupied, second home and holiday home insurance
Insuring empty and second homes: why standard cover lapses when a home stands empty, unoccupied property insurance, second and holiday homes, and keeping cover valid.
How home insurance premiums are calculated
How home insurance premiums are worked out: rebuild cost and contents value, location, property type, claims history, security, excess and how you pay.
Home insurance when you work from home or run a business from home
How working from home affects your home insurance: when clerical work is fine, disclosing business use, business equipment, visitors and liability, and when you need business cover.
Home insurance for non-standard, listed and thatched properties
Insuring non-standard homes: timber-framed, thatched, flat-roofed and listed buildings. Why they cost more, the rebuild-cost trap, and using specialist insurers.
How to lower your home insurance without cutting cover
Legitimate ways to lower your home insurance: shop around, pay annually, set a sensible excess, improve security, get your sums insured right, and trim unneeded extras.