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Below are some points to consider when requesting home insurance quotes:

• There are two main types of cover—buildings insurance, which covers the actual building you live in, and contents insurance, which covers the possessions in your property;
• Ensure your home insurance quotes include cover for the full cost of rebuilding your home in case it is completely destroyed;
• Check that any additional buildings, such as outbuildings, greenhouses and garages, are included in the home insurance quote;
• Find out if the home insurance covers you against fire, flood, theft, subsidence, accidental damage, damage to cables and pipes that service your home, and falling trees;
• When asking for home insurance quotes, you may want to include optional extras, such as cover for money, bicycles and legal expenses—these will all make your quote more expensive, but you may consider the extra cost is worthwhile;
• Ensure your home insurance includes any accommodation costs you may need in the event of your home becoming inhabitable due to events such as fire or flood;
• Some insurers offer free home emergency assistance as part of the policy;
• Make sure your contents insurance covers the total cost of replacing all the possessions in your home;
• Check that the home insurance provider will replace any items in your home with brand new items of the same standard;
• Home insurance companies will require separate cover for any single high-value items, so be sure to list these otherwise their full value will not be covered;
• Ask about the home insurance company's policy for high risk items (items that are often stolen such as jewellery and televisions);
• You can opt to have personal belongs that you take away from the home, such as jewellery and watches, included in your home insurance quote for an additional fee;
• Find out about discounts offered by the home insurance company—taking out a joint buildings and contents policy, having locks and alarms that meet the insurer's requirements, being over a certain age, or choosing to pay a voluntary excess in the result of a claim can all reduce your home insurance quotes.

To find home insurance providers, type a UK location such as London, Birmingham, Manchester, Leeds or wherever you are in the UK into the search box provided below.