More Than - Home Insurance

More Than offer personal insurance and business insurance including car, home, pet, travel, van, breakdown, golf, student, life and temporary car and van insurance as well as a choice of credit cards. All their insurance policies are competitively priced allowing the customer to choose a policy that is suited to their budget and individual needs.

MORE TH>N Home insurance provides exceptional cover at great value, without cutting corners - plus you can benefit from their wide range of benefits and discounts including up to 50% off home insurance*, new for old replacement of damaged or stolen goods, replacement locks if your keys are lost or stolen and £2000 cover for trees, shrubs and plants. *40% of quotes qualify for this discount. Discount includes free contents & depends on individual circumstances. Applies to joint buildings & contents. New customers only. MORE TH>N data Jan to March 2012.

• Save up to 50% off your home insurance*
• New for old replacement of damaged or stolen goods
• Many benefits included in standard cover
• MORE TH>N can find and pay for alternative accommodation if your home becomes uninhabitable
• Register for your very own Personal Customer Manager in a UK dedicated team

About Home Insurance

Home insurance is generally divided into two categories, Building Insurance, which covers any damage sustained by the structural make up of the property itself, and Home Contents Insurance, which provides cover for most main household items. It is typically a requirement to apply for Building Insurance if your property is being used as collateral for a mortgage or personal loan.

Contents Insurance provides cover for the majority of household items such as white goods (fridges, freezers, washing machines etc) and desirable electronic goods such as widescreen TVs, DVD players, audio equipment and sound systems as well as computer equipment. Recently, insurers have extended contents insurance policies to cover less traditional items such as musical instruments and amplifiers, and any audio files that have been lost, so music that you have paid for online can be retrieved under the right Contents Insurance plan. Some insurers offer Home Contents insurance plans targeted at specific groups such as students living in rented accommodation, as the Building Insurance should be covered by the owner of the property.

With both types of Home Insurance, cover is usually provided against damage caused in the event of a fire, damage caused by adverse weather, including lightning, strong winds and flooding, leaking water pipes, landslips, theft and vandalism. Most insurers will offer customers the opportunity to combine both Buildings and Contents insurance under a single all-encompassing plan, which usually allows customers to qualify for a discount off of the combined price.