How to Use a Comparative Website to Buy Home Insurance

How to Use a Comparative Website to Buy Home Insurance

Ever since the dot com boom, Comparison sites have been saving consumers money.

With so many providers for home insurance, pension plans, broadband, phone plans and anything else you could think of, it can be incredibly stressful and confusing to actually

choose one.

That is where comparison sites come in! They do all the work researching every aspect.

of the best providers and producing an overall best list of the companies and services in that particular industry. You can compare these companies by several factors as well. If you care a lot about Customer reviews, you can compare providers by that metric.


This is precisely why these websites are perfect for finding home insurance. With every bank, insurance company and neighbour offering home insurance, who do you choose? Comparison sites simply the confusing policies and the best providers.


While these comparison sites have been designed to be easily useable and accessible, there are things you need to know in order to use them effectively and get the most value out of them.


Read on to find out how you can optimally use a comparison site to find the best home insurance for you.


Know What You’re Looking For

When it comes to insuring your home, it is essential to do your research and make sure

the home insurance policy you select is right for you and your family. This entails considering a variety of factors before you log on to the comparison website.


What area do you live in? Do you live in an area of high break-ins, for example? If your house is located in a popular tornado spot, you may want to consider adding tornado insurance, but hopefully, this isn’t the case.


This also includes things in your home. The contents of your home are also included in your home insurance policy in what is called ’contents insurance’. If you have a lot of expensive belongings, you may want to opt for a high excess in order to cover them should they break or get stolen.


You will also need to know what type of insurance you require, which will depend on your living situation.

What Type of Home Insurance do You Need?


Depending on your living situation, you may have a legal requirement to take out home insurance. 


If you own your home outright or have a mortgage, you will probably think about getting both buildings and contents insurance, or combining them into one home insurance policy. This is because you are responsible for your property and anything that happens to it. With this responsibility also comes the option not to get home insurance.


If you are renting and a landlord owns the home or flat, it is their responsibility to take out buildings insurance. This doesn’t have to include contents insurance and usually doesn’t. If you want to protect your belongings, you should consider purchasing a separate contents insurance policy.


If you are a landlord, then you need to take out buildings insurance. You can also add contents insurance to protect your belongings if you are renting it furnished. 

Now it’s time to head to the comparison website!


How to Use a Price Comparison Website for Home Insurance


Now that you know what you’re looking for and have considered what type of insurance you need, you can visit a variety of price comparison websites.


There are many prominent price comparison websites to choose from, and interestingly, they will usually provide you with slightly different results and different prices. Because of behind the scenes deals and contracts between these home insurance providers, it’s sensible to get quotes from all of them to see who comes out cheaper. 


Popular price comparison websites include MoneySupermarket, GoCompare, Compare the Market, Confused and USwitch. While it might be a pain to go through the whole process with each one, it could save you a pound or two, and it is easier than visiting every home insurance provider. The process will be more or less exactly the same on each, so remember your answers.


Now you are on your chosen website, you will need to select whether you want buildings cover, contents cover or both. You will then need to select your start date and enter your address.


Next, you’ll need to enter some detailed information about your home. The type of house, how old it is, whether you own it and how many rooms it has. The comparison website will then try and ascertain how safe your property is from common problems like fires. A top tip is to rectify easy issues before answering to get a cheaper price. For example, don’t say your smoke detectors aren’t working, fix them, and then fill out the form.

Once you have entered all the information and the price comparison website has worked it’s magic, you will be presented with a variety of home insurance options for various providers. Make a note of your preferred providers and lowest prices and move onto the next price comparison website to see if you can beat it.


Price comparison websites have been a lifesaver for consumers struggling to accurately and efficiently compare the hundreds of home insurance options available. Home insurance is very important to have in case of an emergency and can even protect your belongings as well. To save some money and time, do your research first and figure out which type of home insurance you need. Once you know this and have gathered all the information about your house, you are ready to visit the comparison websites. Fill out the forms and you will be able to compare policies easily. The ultimate goal of this is to find the best possible plan for you at the best rate, don’t forget that.