You will have to pay the excess yourself, and you may also lose your no-claims bonus if it’s not protected, meaning your home insurance premiums could go up in the future.

You should always assess whether it’s worth making a claim. The table below breaks down the estimated cost of home insurance policies offered by some of the top providers in the UK. Your insurance provider will then assess what repair work needs to be done and will either reimburse you for the repairs you make or provide you with a contractor to do the repairs themselves.

It can also cover your personal belongings inside your home. If your home is damaged by fire, flooding or any other event, take photographs of the damage and call your insurer to provide them with all the details. Comparing quotes from top home insurance providers, like Allstate, Chubb and State Farm, may help you find the right carrier for your needs. Home insurance covers you financially in the event something happens to the property you own. You will then need to pay the excess – both the compulsory excess and the voluntary excess that you set yourself – in order for your insurer to pay out. You may also need receipts for any belongings that have been stolen, or bank statements proving the purchase. You must then call your home insurance provider to let them know of the situation, and provide them with any photos you have as evidence. If your home is burgled, the first thing you should do is call the police and take note of the crime reference number. You can get home insurance quotes online, by phone or by working with an agent.

Home insurance quotes