{"id":332,"date":"2023-10-14T11:25:39","date_gmt":"2023-10-14T11:25:39","guid":{"rendered":"https:\/\/moneyhub.ee\/?page_id=332"},"modified":"2025-04-11T16:05:20","modified_gmt":"2025-04-11T14:05:20","slug":"home-insurance","status":"publish","type":"page","link":"https:\/\/moneyhub.ee\/en\/insurance\/home-insurance\/","title":{"rendered":"Home Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"332\" class=\"elementor elementor-332\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-48c2d10 e-con-full e-flex e-con e-parent\" data-id=\"48c2d10\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cb0ec28 elementor-widget elementor-widget-shortcode\" data-id=\"cb0ec28\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><\/p><\/nav><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4c109693 e-flex e-con-boxed e-con e-parent\" data-id=\"4c109693\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3015ce2f ddddf e-flex e-con-boxed e-con e-child\" data-id=\"3015ce2f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-717212df e-flex e-con-boxed e-con e-parent\" data-id=\"717212df\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1d63bc87 ddddf e-flex e-con-boxed e-con e-child\" data-id=\"1d63bc87\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5dcae7b2 elementor-widget elementor-widget-text-editor\" data-id=\"5dcae7b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h1><strong>Compare Home Insurance and save money<\/strong><\/h1><h2><strong>Protect your home and belongings from damage or theft with affordable house insurance. Save when you compare quotes with MoneyHub!<\/strong><\/h2><p><strong><em>MoneyHub experts say:<\/em><\/strong><\/p><p><em>Home insurance costs rise each year, so switching to find a cheaper alternative is a wise move. Many can, and have, saved \u20ac100s by switching their home insurance. If you know what you&#8217;re doing, here&#8217;s how to speedily find a cheap policy \u2013 but if you&#8217;d like more help, you can read our comparisons below.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3994280d e-flex e-con-boxed e-con e-parent\" data-id=\"3994280d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d0ba2a4 table-overflow tablepress-nwdesign elementor-widget elementor-widget-shortcode\" data-id=\"1d0ba2a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">table shorcode text<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-780a483e e-flex e-con-boxed e-con e-parent\" data-id=\"780a483e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6cfd6953 elementor-widget elementor-widget-heading\" data-id=\"6cfd6953\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Home Insurance FAQs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b8d5247 elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"3b8d5247\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t            <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-3b8d5247\" data-scroll-on-click=\"no\" data-scroll-speed=\"300\" data-accordion-id=\"3b8d5247\" data-accordion-type=\"accordion\" data-toogle-speed=\"300\">\n            <div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"how-do-we-calculate-our-star-ratings\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"1\" aria-controls=\"elementor-tab-content-9991\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">How do we calculate our star ratings?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-9991\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" aria-labelledby=\"how-do-we-calculate-our-star-ratings\"><p><span style=\"font-weight: 400\">Our star ratings are based on the headline rate offered, our consumer base feedback, additional charges, ease of business, and value-added benefits.<\/span><\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"what-is-home-insurance\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"2\" aria-controls=\"elementor-tab-content-9992\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">What is home insurance?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-9992\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" aria-labelledby=\"what-is-home-insurance\"><p>Home insurance protects you if something drastic happened to your home, such as a blaze, burglary or storm damage.<\/p><p>What cover you need will depend on your circumstances.\u00a0For example, if you&#8217;re renting or own a leasehold property, you usually won&#8217;t need buildings insurance to cover the structure of your home, as this will be the\u00a0responsibility of the landlord or freeholder \u2013 though do check.<\/p><p>When it comes to contents insurance, everyone should consider this as it protects you against loss or damage to your personal belongings.<br \/><br \/>To help break it down further, there are three main types of home insurance:<\/p><ul><li><strong>Buildings insurance.\u00a0<\/strong>This covers the structure of your home and permanent fixtures and fittings.<\/li><li><strong>Contents insurance.\u00a0<\/strong>Turn your home upside down and everything that falls out would typically be covered. Everyone should consider this, though if you&#8217;re renting.\u00a0<\/li><li><strong>Combined buildings and contents.<\/strong>\u00a0This is one policy to cover both types above, and is a common choice if you own your home&#8217;s freehold, as it&#8217;s usually cheaper. It can also make claims easier as there&#8217;s only one insurer to deal with.\u00a0<\/li><\/ul><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"what-does-home-insurance-cover\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"3\" aria-controls=\"elementor-tab-content-9993\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">What does home insurance cover?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-9993\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" aria-labelledby=\"what-does-home-insurance-cover\"><div class=\"richText component section inline-image-third-width first odd col-xs-12 analytics-richtext\"><div class=\"component-content\"><div class=\"richText-content\"><p>It can differ from policy to policy, so always check yours carefully, but generally home insurance will cover:<\/p><\/div><\/div><\/div><div class=\"richText component section positive-sign even col-xs-12 analytics-richtext_236838651\"><div class=\"component-content\"><div class=\"richText-content\"><ul><li><strong>Repairs from damage.\u00a0<\/strong>For example, from escaping water (such as a burst pipe), falling trees, fire, flooding, storms (including &#8216;acts of god&#8217; such as earthquakes and lightning), subsidence (a shifting of the ground which can cause your home to sink) and vandalism.\u00a0<\/li><li><strong>Replacement of stolen items.\u00a0<\/strong>Typically covered by the contents element, protecting your possessions in your home, garage and shed.\u00a0<\/li><li><strong>Legal liability.\u00a0<\/strong>A contents policy usually covers you and any legal costs if a visitor to your home is seriously injured and it&#8217;s deemed to be your fault, and a buildings policy does the same if the structure injures a passer-by or visitor, or damages a neighbour&#8217;s property.<\/li><li><strong>Alternative accommodation.\u00a0<\/strong>If you can&#8217;t stay in your home following a fire or flood, the cost of a hotel or B&amp;B is usually covered.<\/li><li><strong>Replacement keys and locks.\u00a0<\/strong>If damaged, or your keys go missing.<\/li><li><strong>Replacement of spoiled food.\u00a0<\/strong>If your freezer breaks down.\u00a0<\/li><\/ul><\/div><\/div><\/div><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"what-does-home-insurance-not-include\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"4\" aria-controls=\"elementor-tab-content-9994\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">What does home insurance not include?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-9994\" class=\"eael-accordion-content clearfix\" data-tab=\"4\" aria-labelledby=\"what-does-home-insurance-not-include\"><div class=\"richText component section default-style odd col-xs-12 analytics-richtext_copy_944306\"><div class=\"component-content\"><div class=\"richText-content\"><p>Home insurance WON&#8217;T usually cover:<\/p><\/div><\/div><\/div><div class=\"richText component section negative-sign even col-xs-12 analytics-richtext_copy_944306521\"><div class=\"component-content\"><div class=\"richText-content\"><ul><li><strong>Damage due to normal wear and tear.<\/strong><\/li><li><strong>Accidental damage.\u00a0<\/strong>Though you can sometimes pay more to cover this.<\/li><li><strong>High-value items.\u00a0<\/strong>Unless you&#8217;ve specifically told the insurer about them.<\/li><li><strong>If you&#8217;re away from your home for 30+ days a year.<\/strong>\u00a0See\u00a0leaving your home unoccupied\u00a0for more.\u00a0<\/li><li><strong>Business-related accidents or damage.<\/strong>\u00a0If you run a business from home.<\/li><\/ul><\/div><\/div><\/div><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"do-i-need-to-tell-my-home-insurer-if-im-working-from-home\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"5\" aria-controls=\"elementor-tab-content-9995\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Do I need to tell my home insurer if I'm working from home?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-9995\" class=\"eael-accordion-content clearfix\" data-tab=\"5\" aria-labelledby=\"do-i-need-to-tell-my-home-insurer-if-im-working-from-home\"><p>Not usually, but it depends on the nature of your work. There&#8217;s normally no need to inform your insurer if you&#8217;re doing clerical work, such as working on a laptop and making calls.<\/p><p>However, if you have visitors to your home who are there as part of your work, or you have stock you&#8217;ve brought home (for example, if you&#8217;ve a mail order business which you&#8217;re now operating from home), those won&#8217;t be covered. If either of these apply, you&#8217;ll need to check if you can pay a premium to have the visitors\/stock covered, or you may need to get an extension to your usual business insurance.\u00a0<\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"how-do-i-make-a-change-to-my-policy-and-is-there-a-fee\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"6\" aria-controls=\"elementor-tab-content-9996\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">How do I make a change to my policy, and is there a fee?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-9996\" class=\"eael-accordion-content clearfix\" data-tab=\"6\" aria-labelledby=\"how-do-i-make-a-change-to-my-policy-and-is-there-a-fee\"><p>This depends on your insurer. Many let you make changes online, but not all .<\/p><p>You&#8217;ll usually be charged for altering a policy, such as removing an add-on or increasing your contents cover. The fee you&#8217;ll pay (and for which changes) will vary by insurer, but are typically between \u20ac10 and \u20ac50. You&#8217;ll usually find changes made online are cheaper than calling.\u00a0<\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"im-going-away-on-holiday-am-i-still-covered\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"7\" aria-controls=\"elementor-tab-content-9997\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">I'm going away on holiday, am I still covered?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-9997\" class=\"eael-accordion-content clearfix\" data-tab=\"7\" aria-labelledby=\"im-going-away-on-holiday-am-i-still-covered\"><p>If you&#8217;re heading off and leaving your home unoccupied, you may find your cover is restricted or you may not be covered at all.<\/p><p>Almost all insurers restrict the days you can leave your home unoccupied for while still covering you \u2013 usually 30 days. Leaving it empty for long periods makes it more at risk of burglary, and the cost of any claims greater as any damage can be left undetected for weeks.<\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"what-happens-if-i-need-to-make-a-claim\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"8\" aria-controls=\"elementor-tab-content-9998\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">What happens if I need to make a claim?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-down\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-9998\" class=\"eael-accordion-content clearfix\" data-tab=\"8\" aria-labelledby=\"what-happens-if-i-need-to-make-a-claim\"><p>Firstly, always contact your insurer as soon as possible after noticing the damage or theft. As per the question above, when claiming, you may have to pay towards repairs and replacements, known as an &#8216;excess&#8217;, so check your policy for the full information.<\/p><p>You&#8217;ll need to provide details of the circumstances surrounding any loss or damage, plus any evidence of that. Take photographs of the damage to your home, contents or car, or film the footage. This may help provide proof.<\/p><p>If your possessions have been badly damaged or stolen, any photographs of you with a particular item when undamaged, or held by friends or relatives, will demonstrate you owned it. You can also use receipts, credit card bills or bank statements as evidence.<\/p><\/div>\n\t\t\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Compare Home Insurance and save money Protect your home and belongings from damage or theft with affordable house insurance. Save when you compare quotes with MoneyHub! MoneyHub experts say: Home insurance costs rise each year, so switching to find a cheaper alternative is a wise move. Many can, and have, saved \u20ac100s by switching their [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":17376,"parent":231,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"footnotes":""},"class_list":["post-332","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"blog_post_layout_featured_media_urls":{"thumbnail":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/aerial-view-roofs-prague-city-150x150.jpg",150,150,true],"full":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/aerial-view-roofs-prague-city-scaled.jpg",2560,1707,false]},"categories_names":null,"comments_number":"0","rttpg_featured_image_url":{"full":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/aerial-view-roofs-prague-city-scaled.jpg",2560,1707,false],"landscape":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/aerial-view-roofs-prague-city-scaled.jpg",2560,1707,false],"portraits":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/aerial-view-roofs-prague-city-scaled.jpg",2560,1707,false],"thumbnail":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/aerial-view-roofs-prague-city-150x150.jpg",150,150,true],"medium":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/aerial-view-roofs-prague-city-300x200.jpg",300,200,true],"large":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/aerial-view-roofs-prague-city-1024x683.jpg",800,534,true],"1536x1536":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/aerial-view-roofs-prague-city-1536x1024.jpg",1536,1024,true],"2048x2048":["https:\/\/moneyhub.ee\/wp-content\/uploads\/2025\/04\/aerial-view-roofs-prague-city-2048x1365.jpg",2048,1365,true]},"rttpg_author":{"display_name":"Simon Grey","author_link":"https:\/\/moneyhub.ee\/en\/author\/admin\/"},"rttpg_comment":0,"rttpg_category":" <a href=\"https:\/\/moneyhub.ee\/en\/?taxonomy=translation_priority&#038;term=optional\" rel=\"tag\">Optional<\/a>","rttpg_excerpt":"Compare Home Insurance and save money Protect your home and belongings from damage or theft with affordable house insurance. Save when you compare quotes with MoneyHub! MoneyHub experts say: Home insurance costs rise each year, so switching to find a cheaper alternative is a wise move. Many can, and have, saved \u20ac100s by switching their&hellip;","_links":{"self":[{"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/pages\/332","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/comments?post=332"}],"version-history":[{"count":0,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/pages\/332\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/pages\/231"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/media\/17376"}],"wp:attachment":[{"href":"https:\/\/moneyhub.ee\/en\/wp-json\/wp\/v2\/media?parent=332"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}