Why take out home insurance?

HomeInsuranceHome insuranceWhy take out home insurance?

Home insurance is an important part of owning a home. It covers your property in case of fire, flood, burglary or other disasters.

It is also a good way to protect yourself financially if something happens to your home. Since you can't foresee every risk, you need insurance to cover the costs of any damage that is not covered by your property taxes and other liability insurance. Below are some of the reasons why it is important to have home insurance.

You need insurance in the event of a claim

If your home is damaged in a disaster, you must have insurance to cover the cost. For example, if your house floods and the damage is covered by your policy, you will not have to pay for the repairs out of your own pocket. It is always worth checking What insurance do you need for your home, flat or chateau 🙂

Your liability insurance protects your property

Liability insurance covers your property if you accidentally cause damage to someone else. For example, if someone trips on a pavement and sues you for injury, they could sue you for their medical bills and their pain and suffering. If they were injured to the point of needing surgery, they could even sue you for the loss of income they may have suffered while recovering.

Home insurance protects you financially

Home insurance protects you financially if something happens to your home. It covers the cost of any damage that is not covered by your property taxes and other liability insurance. This coverage can help you pay for repairs or replacements if you suffer a covered loss, such as a fire or storm.

Your home is not your castle

If your house is not insured, it is like saying you don't want to protect it. It doesn't matter how good the lock on the door is or how high the fence is. If something happens to the house and you don't have insurance, it is quite possible that you will lose everything. For example, if there is a fire and your whole house is engulfed in flames, without insurance, there is a good chance you will have to live in your car while they try to rebuild your house.

How can I reach Direct Assurance by phone?

If you wish to contact Direct Assurance, you can call us during one of our opening hours.

Direct Assurance also offers 24/7 customer service and a live chat service to answer questions about your plan.

What is the cheapest insurance on the market?

This answer is a bit trickier to give. What we can say is that you should compare your options to find the cheapest insurance on the market for what you are looking for.

In our opinion, here are some of the cheapest insurances on the market


You may not know it, but it is very likely that you will need home insurance at some point in your life. Whether you own or rent your home, there is always the possibility that you will need to make a claim in order to have the necessary repairs carried out.

Direct Assurance is an independent broker that will find the best home insurance deal for you. Visit our website at DirectAssurance.com or call us today to find out how Direct Assurance can help you find the right home insurance for your needs.

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