Compare Bad Credit Home Insurance quotes

Bad Credit Home Insurance

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Even with bad credit, it is still possible to make significant savings on your home insurance. You can use the comparison form below to compare deals from more than 40 UK home insurance providers. Find a better deal for your bad credit home insurance today!

Fill in the simple 5-minute form below to see how much you could save.

How do I get the best deal when looking for bad credit home insurance?

It can be difficult to find an affordable insurance policy when struggling with bad credit. Have you declared bankruptcy in the past or do you struggle with a low credit rating?

It can often feel like there is no suitable insurer for someone in your situation. However, the way that each insurer interprets your previous history can be very different. Some insurers offer much fairer prices than others. This is because:

  • Not all insurance companies use credit-based insurance scores
  • For some insurers, other insurance premium factors are more relevant. These factors include security, construction details and location
  • Variations in how insurers calculate credit-based insurance scores can produce differences in quotes

That’s why it can be very valuable to use the home insurance comparison tool on Insuro to get a better deal. The wide range of insurers compared means that you are possibly more likely to get a quote from the insurers that don’t place as much weight on bad credit.

What if my bad credit home insurance is still too expensive?

There are other practical ways to lower your insurance premiums. Making your home safer and more secure lowers the risk of an insurance claim, saving you money on your policy. To improve your premiums, you should aim to:

  • Ensure that you secure any accessible entrance including windows with high quality locks
  • Fit an alarm system to protect your home while you are away
  • Install multiple smoking alarms throughout your house

Some insurers even lower premiums for customers who join local neighbourhood watch schemes.

Even with added security measures in place, insurance is still a vital part of protecting your home. Use the comparison form today to find out if you can make your bad credit home insurance more affordable.

What is home insurance?

The best way to answer, 'What is home insurance?’, is to explain what happens if you don’t have it, or you have a policy that doesn’t cover all the things that could go wrong.

You will sometimes see home insurance referred to as ‘house insurance’. In fact, storms, fires, floods, broken pipes and other incidents can affect any building you live in. Whether that is a:

  • Detached, semi-detached or terraced house
  • Bungalow
  • Cottage
  • Flat
  • Apartment

From roof damage caused by high winds, down to subsidence issues with your foundations or walls, your home can suffer significant problems. Without home insurance, you would face substantial costs for repairing or rebuilding your property.

Also, the same issues, as well as burglaries or incidents of accidental damage, can result in you having to replace expensive equipment, such as furniture or personal belongings you keep within your property.

For this reason, home insurance usually includes two essential elements:

  • Buildings insurance
  • Contents Insurance

Many homeowners buy policies that include both (combined home insurance), but you can separate them if you need to. You could even have buildings and content insurance with separate providers.

Let’s look at what these two types of home insurance cover in more detail, and when you may only need contents cover.

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How much does home insurance cost?

The cost of home insurance in 2022 depends on a number of factors.

The essential thing when comparing home insurance quotes is to find a policy that covers all your risks and potential financial outlay in the event of a problem.

This is why using a home insurance comparison tool is helpful.

It provides you with insights on the cost of policies that cover buildings and contents - combined or separate - to the level you need.

Put it this way, apparently cheap home insurance policies can leave you inadequately covered. When you come to make a claim, you could find yourself facing a brick wall. The pay-out could be less than you need, or your entire claim could be rejected.

However, you clearly don’t want to pay too much for home insurance either, with types and levels of cover that are not relevant to you.

So, how do you find cost-effective home insurance that's a great fit for you?

Read on, to find how Insuro can open the door to home insurance quotes tailored to your specific needs.

Why compare with Insuro?

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