{"id":567,"date":"2015-08-23T00:00:00","date_gmt":"2015-08-23T00:00:00","guid":{"rendered":"https:\/\/www.thehouseshop.com\/property-blog\/first-time-buyers-guide-to-home-insurance\/"},"modified":"2018-02-20T01:57:38","modified_gmt":"2018-02-20T01:57:38","slug":"first-time-buyers-guide-to-home-insurance","status":"publish","type":"post","link":"https:\/\/www.thehouseshop.com\/property-blog\/first-time-buyers-guide-to-home-insurance\/","title":{"rendered":"First time buyers guide to home insurance"},"content":{"rendered":"\n<!-- SEO Ultimate Plus (https:\/\/seoultimateplus.com) - Code Inserter module -->\n<script async>(function(s,u,m,o,j,v){j=u.createElement(m);v=u.getElementsByTagName(m)[0];j.async=1;j.src=o;j.dataset.sumoSiteId='b68b392479b5981b8acf46565e9fe32a0734fc21a1f7c1e60121eaa6ca1a1c64';v.parentNode.insertBefore(j,v)})(window,document,'script','\/\/load.sumo.com\/');<\/script>\n<!-- \/SEO Ultimate Plus -->\n\n<p class=\"style5\"><span style=\"font-family: Verdana; font-size: 10pt;\"><img loading=\"lazy\" src=\"\/uploads\/media\/first time buyers.jpg\" alt=\"\" width=\"350\" height=\"279\" align=\"right\" border=\"0\" \/>Finding a <a class=\"wl-entity-page-link\" title=\"homeowners\" href=\"https:\/\/www.thehouseshop.com\/property-blog\/home-insurance\/\" data-id=\"http:\/\/data.wordlift.io\/wl0502\/entity\/home_insurance;http:\/\/rdf.freebase.com\/ns\/m.0313mp;http:\/\/yago-knowledge.org\/resource\/Home_insurance;http:\/\/dbpedia.org\/resource\/Home_insurance\" >home insurance<\/a> policy to suit you and your situation can be one of most important decisions involved in the purchase of a new <a class=\"wl-entity-page-link\"  href=\"https:\/\/www.thehouseshop.com\/property-blog\/property\/\" data-id=\"http:\/\/data.wordlift.io\/wl0502\/entity\/property;http:\/\/rdf.freebase.com\/ns\/m.05wrt;http:\/\/dbpedia.org\/resource\/Property\" >property<\/a>. <\/span><\/p>\n<div class=\"style5\" style=\"display: block;\"><span style=\"font-family: Verdana; font-size: 10pt;\">For first-time buyers it can be a daunting process, but by <a class=\"wl-entity-page-link\" title=\"Eminent domain\" href=\"https:\/\/www.thehouseshop.com\/property-blog\/eminent-domain\/\" data-id=\"http:\/\/data.wordlift.io\/wl0502\/entity\/eminent_domain;http:\/\/rdf.freebase.com\/ns\/m.0127bq;http:\/\/dbpedia.org\/resource\/Eminent_domain\" >taking<\/a> the time to do some research you can help yourself to find a policy relevant to your situation and save yourself some money.<\/span><span style=\"font-family: Verdana; color: #3399cc; font-size: 10pt;\"><strong><\/p>\n<p>What sort of policy should you get?<\/strong><\/span><span style=\"font-family: Verdana; font-size: 10pt;\"><\/p>\n<p>There are a multitude of different policies available \u2013 including those which help to cover both the <a class=\"wl-entity-page-link\" title=\"houses\" href=\"https:\/\/www.thehouseshop.com\/property-blog\/house\/\" data-id=\"http:\/\/data.wordlift.io\/wl0502\/entity\/house;http:\/\/rdf.freebase.com\/ns\/m.03jm5;http:\/\/dbpedia.org\/resource\/House\" >house<\/a> itself and the <a class=\"wl-entity-page-link\" title=\"Possession (law)\" href=\"https:\/\/www.thehouseshop.com\/property-blog\/possession-law\/\" data-id=\"http:\/\/data.wordlift.io\/wl0502\/entity\/possession_law;http:\/\/rdf.freebase.com\/ns\/m.0613q;http:\/\/dbpedia.org\/resource\/Possession_(law)\" >possessions<\/a> within. <\/span><\/div>\n<p class=\"style5\"><span style=\"font-family: Verdana; font-size: 10pt;\">Many mortgage <a class=\"wl-entity-page-link\" title=\"Plan\" href=\"https:\/\/www.thehouseshop.com\/property-blog\/plan\/\" data-id=\"http:\/\/data.wordlift.io\/wl0502\/entity\/plan;http:\/\/rdf.freebase.com\/ns\/m.018jrr;http:\/\/dbpedia.org\/resource\/Plan\" >plans<\/a> will offer some form of home insurance as part of your policy, but don\u2019t be tempted to jump in and accept the first offer. Each policy will provide varying levels of cover, so it\u2019s best to do your research to help you find a plan that\u2019s right for you.<\/span><\/p>\n<div class=\"style5\" style=\"display: block;\"><span style=\"font-family: Verdana; font-size: 10pt;\">It can also be worth taking out multiple policies, such as car and home insurance, with a single providers \u2013 some of which may provide a discount if you choose to insure multiple products with them. <\/span><span style=\"font-family: Verdana; color: #3399cc; font-size: 10pt;\"><strong><\/p>\n<p>What should you put against your insurance?<\/strong><\/span><span style=\"font-family: Verdana; font-size: 10pt;\"><\/p>\n<p>Go through each policy carefully and be sure to read the small print to see what can be covered, and also if there is a limit as to how much you are able to secure against your insurance policy \u2013 such as electrical goods and garden equipment.<\/span><\/div>\n<div class=\"style5\" style=\"display: block;\"><span style=\"font-family: Verdana; font-size: 10pt;\">Make a list of your personal possessions and the <a class=\"wl-entity-page-link\" title=\"Value (economics)\" href=\"https:\/\/www.thehouseshop.com\/property-blog\/value-economics\/\" data-id=\"http:\/\/data.wordlift.io\/wl0502\/entity\/value_economics;http:\/\/rdf.freebase.com\/ns\/m.0bhr4z;http:\/\/dbpedia.org\/resource\/Value_(economics)\" >value<\/a> of them, it can also be worth keeping the receipts for purchases such as electrical equipment. Be as accurate as you possibly can, as this can assist you greatly should you need to make a claim.<\/span>\u00a0<span style=\"font-family: Verdana; color: #3399cc; font-size: 10pt;\"><strong><\/p>\n<p>What are you covered against?<\/strong><\/span><span style=\"font-family: Verdana; font-size: 10pt;\"><\/p>\n<p>It is essential that you read the small print of your policy to check what will be covered in the event of an incident \u2013 such as fire and flood <a class=\"wl-entity-page-link\" title=\"Property damage\" href=\"https:\/\/www.thehouseshop.com\/property-blog\/property-damage\/\" data-id=\"http:\/\/data.wordlift.io\/wl0502\/entity\/property_damage;http:\/\/rdf.freebase.com\/ns\/m.0clxv;http:\/\/dbpedia.org\/resource\/Property_damage\" >damage<\/a>. <\/span><\/div>\n<div class=\"style5\" style=\"display: block;\"><span style=\"font-family: Verdana; font-size: 10pt;\">Also be sure to check if the policy includes cover for equipment stored in the garden or in sheds, as you may need to buy additional cover as part of your policy.<\/span><span style=\"font-family: Verdana; color: #3399cc; font-size: 10pt;\"><strong><\/p>\n<p>What security features are present in and around the property?<\/strong><\/span><span style=\"font-family: Verdana; font-size: 10pt;\"><\/p>\n<p>Check the locks and any security systems on the property, including on all doors, windows, gates and even garden sheds. <\/span><\/div>\n<div class=\"style5\" style=\"display: block;\"><span style=\"font-family: Verdana; font-size: 10pt;\">By spending a little money on ensuring that you have strong locks and security lights you could potentially save yourself a little on your home insurance policy.<\/span><span style=\"font-family: Verdana; color: #3399cc; font-size: 10pt;\"><strong><\/p>\n<p>What sort of area is the property in?<\/strong><\/span><span style=\"font-family: Verdana; font-size: 10pt;\"><\/p>\n<p>Be sure to research the local area as part of your search, if the property is in an at risk area \u2013 whether from crime or flooding \u2013 this could potentially affect the cost of your home insurance.<\/span><\/div>\n<p class=\"style5\"><span style=\"font-family: Verdana; font-size: 10pt;\">Consider signing up for your local neighbourhood watch scheme, not only to help give you some peace of mind, but some insurers may take membership of such a scheme into account when considering the price of your home insurance policy. <\/span><\/p>\n<p class=\"style5\"><span style=\"font-family: Verdana; font-size: 10pt;\">By taking the time to do your research and look into all aspects of your home insurance policy, you can help yourself to save a little money as you prepare to move into your first <a class=\"wl-entity-page-link\" title=\"Housing estate\" href=\"https:\/\/www.thehouseshop.com\/property-blog\/housing-estate\/\" data-id=\"http:\/\/data.wordlift.io\/wl0502\/entity\/housing_estate;http:\/\/rdf.freebase.com\/ns\/m.01rtvp;http:\/\/dbpedia.org\/resource\/Housing_estate\" >home<\/a>.<\/span><\/p>\n<p class=\"style5\"><span style=\"font-family: Verdana; font-size: 10pt;\">\u00a0<\/span><\/p>\n<p class=\"style5\"><span style=\"font-family: Verdana; font-size: 10pt;\">\u00a0<\/span><\/p>\n<p class=\"style5\"><span style=\"font-family: Verdana; font-size: 10pt;\">Written by the <\/span><span style=\"font-family: Verdana; font-size: 10pt;\">home insurance<span style=\"font-family: Verdana; font-size: 10pt;\"><\/span> team at Moneysupermarket.com<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Finding a home insurance policy to suit you and your situation can be one of most important decisions involved in the purchase of a new property. For first-time buyers it can be a daunting process, but by taking the time<span class=\"ellipsis\">&hellip;<\/span><\/p>\n<div class=\"read-more\"><a href=\"https:\/\/www.thehouseshop.com\/property-blog\/first-time-buyers-guide-to-home-insurance\/\">Read more &#8250;<\/a><\/div>\n<p><!-- end of .read-more --><\/p>\n","protected":false},"author":41,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"wl_entities_gutenberg":"","_lmt_disableupdate":"","_lmt_disable":"","spay_email":""},"categories":[11,16],"tags":[],"wl_entity_type":[602],"modified_by":null,"_wl_alt_label":[],"jetpack_featured_media_url":"","wl:entity_url":"http:\/\/data.wordlift.io\/wl0502\/post\/first_time_buyers_guide_to_home_insurance","_links":{"self":[{"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/posts\/567"}],"collection":[{"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/users\/41"}],"replies":[{"embeddable":true,"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/comments?post=567"}],"version-history":[{"count":3,"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/posts\/567\/revisions"}],"predecessor-version":[{"id":15136,"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/posts\/567\/revisions\/15136"}],"wp:attachment":[{"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/media?parent=567"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/categories?post=567"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/tags?post=567"},{"taxonomy":"wl_entity_type","embeddable":true,"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/wl_entity_type?post=567"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}