When Was My House Built? Online And Offline Resources

When getting a home insurance quote you are likely to be asked “when was your house built?” This is a mandatory question when getting house insurance because the age of the house reveals a lot about the property and has an impact on the premium you pay. It is generally the case that older properties use materials or techniques that are more expensive, and older properties may also need more expensive maintenance (and therefore risk that an Read more…

Rebuild Cost: How Much To Rebuild My House?

When getting a home insurance quote the amount of buildings cover you require is determined by the rebuild cost. That means you need to understand “how much to rebuild my house?”  It is NOT the market value of your house – people often confuse the two, and if you do you may end up paying more than necessary for your insurance as the market value is usually higher than the rebuild value. The amount of buildings cover you require Read more…

Garage Insurance For Sheds And Outbuildings

If you have a separate garage then you may need to consider garage insurance for both the contents inside the garage and the structure of the building itself. Emerald Life home and contents insurance includes any items you have in a shed or garage within the boundary of your property, providing you have included them in your total sum insured. We can also provide outbuildings insurance for unoccupied properties such as holiday and second homes Read more…

coach house insurance

Coach House Insurance: All You Need To Know

If you need coach house insurance – or insurance for any type of outbuilding that has been converted into a dwelling -then you may be wondering what cover is available to you and at what cost. At Emerald Life we pride ourselves on being able to offer house insurance for lots of situations that don’t quite fit the regular home insurance mould and coach house insurance is one of them. Our Coach House Insurance: Buildings Read more…

buildings insurance

New Build House Insurance: Complete Guide

New build house insurance can seem difficult to find. That is because a lot of home insurance comparison sites and online quote journeys may not have up-to-date postcode information. You might also be wondering if you need home insurance for a newly built property and what your insurer needs to know. Get your new build house insurance quote fast here Thanks to schemes like Help to Buy Government loans on new properties, more people are Read more…

Home Insurance Legal Cover: Is It Worth It

Home insurance legal cover is it worth it is a question that ultimately comes down to what is right for you. While legal cover may vary between policies we’ll be focusing on the pros and cons of Emerald Life’s home insurance legal cover which is included free in every standard home insurance policy. Do I Need Legal Cover On Home Insurance? Legal cover means your insurer may cover legal costs in litigation that fulfils their Read more…

Does a Key Safe Invalidate House Insurance?

You should always ask your insurer does a key safe invalidate house insurance if you either have one fitted or are planning on getting one. If you are considering a key safe then it is likely you have an empty property or a holiday home. As such you may want to look into unoccupied house insurance or holiday home insurance and find out if those specific products have requirements about key safes. A Key Safe Read more…

insurance unoccupied house owner deceased

Insurance For Unoccupied House: Owner Deceased

If you need insurance for an unoccupied house because the owner is deceased then read on. It is already a very stressful and upsetting time when someone you know dies. Sorting out their home insurance is the last thing you want to be dealing with. However, it is important to get insurance for an unoccupied house when the owner is deceased in case something goes wrong. Insurance For Insurance Unoccupied House: Owner Deceased Is The Read more…

Looking After Your Dog During The Coronavirus Lockdown

Your dog needs love, fun and exercise even during lockdown. And hear how Emerald is helping its pet customers in these unprecedented times. Dog owners all know how much fun dogs are – they are great pets, exercise partners and friends. Is there an upside to lockdown? One advantage of the lockdown is that you will likely spend more time with your pet. Dogs love playing with their owners. While often that is done outside, Read more…

holiday home insurance

The Best Home Insurance And How To Find It

Finding the best home insurance for you can be difficult. Home insurance provides many different covers – buildings, contents, personal possessions, legal expenses, home emergency cover – and insurers will often treat these differently. To help you, we’ve look at some of the popular home insurance companies in the UK based on various factors, including the quality of cover, hidden extra costs, as well as independent reviews that take into account customer satisfaction and complaints Read more…