Home Insurance gives you essential financial protection should the worst happen. If a fire wreaks havoc, subsidence occurs or a thief walks off with your brand-new TV, Home Insurance can step in to cover the costs of replacing or repairing your property and possessions. Unsure of how much protection you need for your contents? Use our FREE Contents Valuation Guide.
Excellent service from start to finish. The team took time to understand exactly what I needed and found me a great policy at a competitive price. Couldn't be happier with the whole experience.
Been with Chris Knott for over 5 years now. Easy renewal process and the team are always a pleasure to speak with. Proper UK-based advice you can actually trust.
After being let down by my previous insurer, Chris Knott made the whole process painless. Honest, straightforward, and friendly from the very first call. Highly recommend them.
Andy was brilliant - talked me through all the options clearly, no pressure, and found me a much better deal than the comparison sites. This is how insurance should be done.
I needed specialist cover for my classic Jaguar and Chris Knott sorted it quickly and at a great price. Really impressed with the level of knowledge and personal service.
Switched my home insurance after a recommendation from a friend. Very competitive premium and the whole thing was done in under 20 minutes. Very pleased with everything.
First-class service. I dealt with Emma who was patient, helpful and knew exactly what I needed for my thatched cottage. Got proper specialist cover, not a standard policy.
Genuinely good old-fashioned customer service. A real person who actually listens and helps you find the right cover. Wouldn't go anywhere else for my insurance now.
Had a claim last year and Chris Knott supported me throughout. Made a stressful situation much easier. Fair, fast, and professional - exactly what you want from a broker.
Renewed my multi-car policy today. Still the best value I've found anywhere and the team remembered me from last year. That personal touch really makes a difference.
Very helpful team, especially when I needed to add a modified vehicle to my policy. Talked me through everything and made sure I was properly covered. Excellent all round.
Chris Knott have been brilliant for my listed property - most insurers wouldn't touch it but they found me comprehensive cover at a sensible price. Grateful for their expertise.
Efficient, clear, and competitive. I ran through three comparison sites before calling Chris Knott and they beat them all. UK-based team made the whole thing painless.
Outstanding from start to finish. I've recommended Chris Knott to everyone I know - my parents, my sister, and even my colleagues. They never let anyone down.
The service is what sets Chris Knott apart. You get proper advice from people who understand insurance, not a script. Worth every penny and more.
The most common questions we're asked about home insurance. Can't find what you're looking for? Speak to our UK-based team on 0800 917 2274.
Home Insurance is a policy that protects your home and its contents against a range of scenarios, including theft, damage and destruction.
It is typically made up of Buildings Insurance, which protects the fabric of your property, and Contents Insurance, which covers your possessions and items within the property, such as white goods, furnishings and other items.
Buildings Insurance typically includes Property Owners’ Liability Insurance, which provides support in the event that an individual (or their property) suffers harm or damage and pursues you for compensation.
Additional protection, such as Home Emergency cover, can be added to provide support in emergencies, such as leaks or boiler breakdowns.
Your home is likely to be your biggest financial asset. Protecting it with the right Buildings and Contents Insurance is therefore key, as it will cushion you from significant payouts should the worst happen.
Events such as fire and floods can devastate homes, from the structure of your property to your possessions. Theft can also mean you need to repair or replace valuable items. Without insurance, you will be left to foot a potentially very expensive bill.
If you are buying a home with a mortgage, your lender will also need you to put Buildings Insurance – at the very minimum – in place. Without it, you could find that your mortgage offer is withdrawn.
If you’re unsure about what protection you need, speak to one of our knowledgeable Home Insurance brokers. They’ll help you find the best Home Insurance for your needs.
It covers both Buildings Insurance and Contents Insurance.
Building Insurance will cover the cost of repairing, replacing and rebuilding the structure of your home if it is damaged or destroyed due to:
Some providers will also provide cover for Trace & Access if there is a leak in your home.
If one of these incidents happens, your insurer will foot the bill for repairing the structure (less any excess), replacing fitted kitchens and bathrooms, drying out your home, decontaminating it or even rebuilding the property completely. Many policies will also pay for alternative accommodation for you if you cannot live in your home due to damage.
Contents Insurance focuses solely on your possessions and the things within your home, such as furniture, fixtures and fittings. Some policies can be extended to include items kept in garages or outhouses, as well as the food in freezers. If you rent your home, it’s likely that you will only need this type of protection.
Home Insurance will not replace or repair items or damage to your property if it is caused by general wear and tear or if your home has been unoccupied for a long period of time (typically more than 30 days).
It will also not provide cover for damage that is caused by mechanical or electronic breakdown. For instance, if your freezer is very old and suddenly stops working, your Home Insurance will not pay to replace it.
When your mobile phone is in your home, most House Insurance policies will cover it should it be lost or stolen. However, there are limitations to many of these House and Contents Insurance policies.
For instance, if you have a particularly high-value mobile phone, it may exceed the single item limit of your policy.
And if you do not have Accidental Damage cover, you won’t be compensated should you drop and break your phone, or otherwise damage it.
When it is removed from your home, it won’t be protected either. To cover your phone so that it is insured wherever you go, you can extend your Contents Insurance to All Risks for personal possessions. Just mention this to your Home Insurance broker when you get your quote.
Home Insurance is not a legal requirement but if you are looking to get a mortgage for your house, you will probably find that Buildings Insurance is needed by your mortgage lender. Failing to have it may mean that your mortgage offer is withdrawn.
Even if it isn’t absolutely necessary to get a Home Insurance policy, it is still a good idea to have both your building and contents insured. If your home and its contents are damaged or destroyed, it is very unlikely that you will be able to afford to replace them – or to rebuild your home from scratch.
This situation is a little different if you are a tenant or if you rent your home. Home Insurance for tenants typically just includes Contents Insurance. This is because your landlord owns the structure of the building and needs to buy insurance to protect it.
No, it isn’t. Home Insurance is an umbrella term incorporating both Buildings Insurance and Content Insurance. Together, these two types of cover make up a Home Insurance policy.
Building Insurance is protection for your home’s structure. In other words, its bricks and mortar. If subsidence or a fire, flood or storm damages or completely destroys your property, Building Insurance will ensure that you can meet the costs of repair or rebuilding.
The other aspect of Home Insurance is Contents Insurance, which protects your possessions. House Contents Insurance usually includes your furniture, fixtures and fittings, and can be extended to cover valuables and personal items such as your mobile phone.
Yes, you can. Many policies will allow you to purchase additional cover that will protect your property and its contents from accidental damage, such as spilling make-up over your carpet.
If you want to add this cover, make sure you mention it to your Home Insurance broker when you get in touch for a quote.
Some Buildings and Contents Insurance policies will include legal cover as standard, but others offer it as an added extra. If you would like to include this as part of your policy, simply let us know when you get in touch for a quote.
We can arrange a personalised Home Insurance quotation based on your needs.
According to Chris Knott Insurance’s figures, in the 12 months to March 2023 the average premium was £333.53.
However, this total will depend on several factors, including:
The cost of your Home Insurance will also be affected if your home is built out of non-standard materials, such as thatch, or has luxury fixtures and fittings or unusual features. In these cases, you may need more specialised Non-Standard Home Insurance. If in doubt, speak to a Chris Knott Home Insurance broker for guidance. We can arrange a personalised Home Insurance quotation based on your needs.
If you rent your home or are a tenant, you will not need to pay for Building Insurance. This is because it is the responsibility of the person who owns the building. However, it is a good idea to get dedicated Contents Insurance, as your landlord’s insurance will not pay to replace any of your belongings if they are stolen, damaged or destroyed.
Yes, you can. However, it might be more expensive because insurers view these as more of a risk because subsidence can cause structural issues. As independent insurance brokers, we can help you to find the best Home Insurance for your property.
This is an add-on to Home Insurance and gives you access to a 24-hour helpline, so you can arrange urgent repairs, such a broken boilers, water pipe leaks and blocked drains. It will cover the cost of call out fees and repairs. Be sure to check your policy wording to be sure what is covered.
You can. Like Home Emergency cover, it’s typically an add-on to standard home policies and helps to cover the cost of repairs or replacements. It’s important to remember that there are certain conditions and exclusions so be sure to check your policy wording.
Whatever kind of property you own, rent or let, we arrange specialist cover from a panel of leading insurers. Browse our full range below or speak to our team.
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ExploreEvery page is written and fact-checked by our UK-based insurance specialists. Chris Knott Insurance has been arranging cover since 1983.
Every home insurance policy is different. Speak to our specialist UK-based team and we'll arrange a quote that properly reflects your property and circumstances.
