Home Insurance Quote
Find out if you can get cheaper home insurance today.
Home Insurance in the UK Protecting Your Haven
Welcome to Riviera Insurance, your trusted partner in safeguarding your home. Home Insurance is a vital investment for homeowners, providing peace of mind and financial protection against unforeseen events. With Riviera Insurance, you can explore comprehensive cover options tailored to your specific needs, ensuring your home and cherished belongings are protected from the unexpected.
What do I need to get a home insurance quote?
Getting a home insurance quote with Riviera Insurance is quick and simple. To obtain an accurate quote, you’ll need to provide essential information such as the property’s address, the type of property, details about the construction, security features, your claims history, and the value of your belongings. Rest assured, our experienced team will guide you through the process to make it hassle-free.
Why get home insurance with Riviera Insurance?
At Riviera Insurance, we understand that your home is more than just bricks and mortar; it’s where memories are made. Choosing us as your home insurance provider means opting for reliable, customer-centric service. Our policies are designed to offer comprehensive cover, prompt claims assistance, and excellent customer support. With a range of benefits and a reputation for reliability, Riviera Insurance is your ideal partner in protecting what matters most.
Don’t just take our word for it. Read what our satisfied customers have to say about Riviera Insurance’s outstanding service, reliable cover, and responsive claims support.
Secure your haven today with Riviera Insurance’s home insurance. Get a quote now and ensure the protection of what matters most to you.
What is home insurance and Why do you need it?
Home insurance is a crucial safety net that shields your home and possessions from various risks, including theft, natural disasters, fire, and accidental damage. Whether you own or rent your home, having insurance ensures that you won’t face financial devastation in the event of unexpected incidents. It’s a proactive step towards securing your assets and securing your family’s future.
What type of home insurance do I need?
At Riviera Insurance, we offer two primary types of home insurance: buildings insurance and contents insurance. Buildings insurance covers the structure of your home and its permanent fixtures, while contents insurance protects your belongings, such as furniture, electronics, and valuable items. For complete peace of mind, we recommend combining both policies for comprehensive cover.
How can I get cheaper home insurance?
We understand the importance of finding affordable home insurance without compromising on cover. To obtain cheaper home insurance, consider the following tips:
Increase Security: Installing security features like burglar alarms and CCTV can lower premiums.
Increase Excess: Opting for a higher excess can lead to lower monthly premiums.
Bundle Policies: Combining home and auto insurance can often result in discounted rates.
Build a No-Claims History: The longer you go without making a claim, the better your rates may become.
What factors affect the cost of home insurance?
Several factors influence your home insurance premium, such as:
Location: Properties in high-risk areas, such as flood-prone zones, may have higher premiums.
Security Measures: Homes with advanced security features often receive lower premiums.
Rebuild Cost: The cost of rebuilding your home influences the insurance price.
Claims History: A history of frequent claims might result in higher premiums.
Optional upgrades and add-ons
Riviera Insurance offers optional upgrades and add-ons to enhance your policy’s cover. These may include:
Accidental Damage Cover: Extends protection to accidental damage within the home.
Legal Expenses Cover: Provides legal assistance for housing disputes or personal injury claims.
Home Emergency Cover: Offers assistance in emergencies like boiler breakdowns or plumbing issues.
Download our FREE app
At Riviera Insurance, we want to help you. That is why we have developed the Riviera Insurance App to help you easily upload documents, view your documents, report claims and much more.
What types of homes can I insure?
We cater to a wide range of properties, including:
Standard Houses: Covering traditional homes with standard construction.
Flats and Apartments: Tailored policies for apartments and flats.
High-Value Homes: Comprehensive cover for luxury or high-value properties.
Non-Standard Construction: specialised policies for properties with unique construction.
Frequently asked questions
Home insurance, also known as homeowner’s insurance, is a type of insurance policy that provides financial protection for your home and its contents in the event of covered perils, such as fire, theft, vandalism, or certain natural disasters.
Home insurance typically covers the structure of your home, personal belongings, liability for injuries or property damage to others, and additional living expenses if you are temporarily displaced due to a covered loss.
Covered perils often include fire, lightning, windstorm, hail, theft, vandalism, explosions, falling objects, and certain water damage (e.g., from burst pipes). It’s essential to review your policy to understand specific coverage inclusions and exclusions.
Home insurance typically excludes routine wear and tear, pests, war, nuclear accidents, and intentional acts of the policyholder.
Unlike Motor insurance, home insurance is not legally required . However, if you have a mortgage, your lender will likely require you to maintain adequate coverage until the loan is paid off.
The coverage amount for your home insurance policy is typically based on the estimated cost to rebuild your home and replace its contents. This is not the same as the market value of your property.
An Excess is the amount you agree to pay out of pocket before your insurance coverage kicks in. For example, if you have a £1,000 excess and file a claim for £5000 in damages, you’ll pay £1,000, and the insurance company will cover the remaining £4,000.
Yes, there are ways to lower your home insurance premiums, such as increasing your excess, installing security systems, or making home improvements that reduce the risk of damage.
No, most standard home insurance policies do not cover home-based businesses. Separate business insurance or an extention on your existing policy may be necessary to protect your business assets adequately.
Big enough to save, small enough to care.
Our staff are empowered to contact insurance companies and underwriters on your behalf, giving an entirely personal service across the whole UK with no call centres. We take the time to know your insurance needs to offer you the cheapest insurance policy.
With the added benefit of optional cover, options are to suit you and your pocket. So, finding cheap insurance has never been more simple.
If you are local to Torbay, you can even pop in and see us arrange your insurance at our high street office on Union Street in Torquay.