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Guide to Choosing the Right Home Insurance for you

When it comes to home insurance, it’s important you make the right decision for you and your family. Buying a house is an investment, and purchasing home insurance will guarantee your investment stays protected no matter what happens. However, with hundreds of offers available to protect your house, deciding on home insurance can be a long process, and there are lots of mistakes to be made! If you’re new to insurance, or you just want to make sure you’re getting the most for your money, then have a look at this beginner’s guide to choosing home insurance. 1)    When it comes to picking the right provider for you, the most important thing is research. Take your time when hunting for home insurance companies. Speak to friends and family for their recommendations – even your estate agent may be able to recommend a company. You want to choose a company you can trust, so only go with places where customer feedback is readily available. This will give you an idea of how trustworthy and how professional the provider is. 2)    You should be looking at at least three different insurance providers. Take into account their reliability and customer satisfaction as well as their proposed prices when comparing them. Don’t get sucked into the cheapest offer available – do your research! Cheap companies may be that inexpensive for a reason, and you don’t want to compromise when it comes to insuring your property. 3)    Comparison websites are an extremely popular and fast way to compare dozens of insurance companies with just a couple of clicks. If you’re using a price comparison website be aware that you may be paying for the middle man if you use one to decide on your home insurance. There are many providers that work independently from comparison websites and therefore don’t have to pay to advertise. You may find cheaper deals with independent providers, so if you’re trying to keep your costs to a minimum then put in the time and effort to explore all the options available to you. 4)    Consider your needs carefully when choosing the right package for you. You will most definitely need some level of insurance on your new home, but there are many different levels of coverage to choose from. Be wary of over-spending on getting the best available protection – you might not necessarily need to be covered for hurricane damage in the centre of Manchester! As a basis, you’ll want to be protected for emergencies such as fire damage, water damage, theft and vandalism. If you or your property require more than that then make sure everything you’ve got everything covered! 5)    Be wary of the fine print before you sign up for any type of insurance. Don’t be afraid to ask questions before you take out the policy, it’s important to be well-informed in case disaster does strike. You should fully understand how the policy will work, for example, does your water-damage cover include flooding? What about theft and burglaries – what will your insurance cover and what won’t it? These are all things to be cautious of, so be wary when looking into any home insurance.