Don't bungle it - compare quotes for bungalow insurance
Whether you live in a bungalow, flat or multi-storied dwelling, each property has characteristics which must be considered when arranging?home insurance.
- The rebuild cost of a bungalow may be lower than that of a multi-storey dwelling
- Bungalows can be more vulnerable to burglary than some other properties
- Floods and fires can damage bungalows quickly and profoundly
Bungalows vary in shape, size and layout, but they're usually on one level, except in the case of dormer or chalet bungalows.
Dormer bungalows are conversions of traditional single-storey bungalows with dormer windows and flat roofs, while chalet bungalows are purpose built with an upstairs featuring a pitched roof with Velux windows.
Whatever type of bungalow you have, getting the right insurance for your home is essential.?
What is bungalow insurance?
Bungalow insurance is just a type of home insurance policy that covers bungalows rather than multi-story homes or flats.?
What home insurance can you get for bungalows?
You can buy either buildings or contents insurance separately or combine them into one policy.?
GoCompare’s home insurance expert, Ben Wilson, says “Generally, if something can be removed from the property and taken elsewhere, then it’ll be part of your contents cover. If not, it’s usually included under buildings insurance.”
Bungalow buildings insurance
Buildings insurance for your bungalow covers the structure of the property and any permanent fixtures, like baths and fitted kitchens.?
Because they're usually all on one level, rebuild costs for bungalows are often lower than two-storey buildings, which could mean home insurance premiums will be cheaper.
There are ways you can limit flood risk and damage but returning to a bungalow after a flood may take longer as the whole house may be badly damaged, whereas the upper floor of a conventional house might well be spared.
Dormer bungalows with flat roofs may be trickier to insure if more than 30% of the roof is flat.
You need to give accurate information to your insurer about what proportion of the roof is flat, as getting it wrong could invalidate your insurance in the event of a claim.
Bungalow contents insurance
Contents insurance for bungalows will cover your personal possessions, furnishings and other items you keep in your home. You'll need to estimate how much your home's contents is worth which will help determine how much cover you need.?
From TV’s to toys and clothing to curtains, it’ll probably be covered (but it's always best to check), provided it doesn’t exceed the maximum amount per individual item.?
While it's possible that buildings insurance for a bungalow may be cheaper than for a house, you may find that contents insurance is more expensive because your possessions will be on ground level and more susceptible to theft and damage.
Some contents policies will also cover items that are temporarily taken away from the home, like a laptop.?
Did you know...?
- In 2017, bungalows made up only 2% of new house types available in the UK
Do I need bungalow insurance?
It’s not a legal requirement to take out home insurance for your bungalow, but most mortgage providers will insist you take out home insurance before they’ll lend to you.?
Also, it’s worth considering if something were to go wrong with your home, could you afford to pay to fix or replace it?
Are you a tenant? If so, your landlord should have sorted out the buildings insurance on the bungalow you’re staying in, but it might be worth looking into some contents insurance to protect your own belongings, as the landlord’s policy probably won’t cover you.?
How can I get cheaper bungalow insurance?
Making sure your home is secure is important.
It's worth thinking about installing extra security measures like a burglar alarm and remembering to keep windows locked.
Although you may find that an alarm will mean cheaper insurance premiums, the savings are unlikely to be large enough to offset installation costs. Nevertheless, they could give you peace of mind and help to ensure that your home and its contents are safe.
If you've moved from a two-storey home into a bungalow, it's important to change your security habits – keep windows locked and be sure to accurately describe which locks secure your property.
Remember, however, that if you tell your insurer you lock all your windows when you're out and use an alarm, you'll have to do just that. If your house is burgled and your alarm wasn't in use, your claim may be invalid.
You could also consider joining a Neighbourhood Watch scheme if there's one in your community, as this may help keep your home safe and you might even get a discount on your home insurance.
If there isn't one, why not set one up yourself?