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If you’re a homeowner over the age of 50, then the good news is that you can benefit by getting cheaper home insurance compared to those in their 20s and 30s. This is because older homeowners are often viewed as lower risk by insurance providers. 

Below is all the information you need about over 50s home insurance, including types of cover you can get and the answers to frequently asked questions. 

Key Points

  • Over 50 home insurance is often cheaper than cover for people in younger age brackets, all things being equal.
  • You can get cover for just the building itself or building and contents cover.
  • You can easily tailor the quotes you get so they’re perfect for your needs.
  • The cost of cover will depend not just on your age but also the value of your home, where it’s located and how secure it is.

Over 50s Home Insurance Explained

Over 50s home insurance is actually no different to any type of standard home insurance policy, assuming you don’t have a period or listed property. You can take out the same types of cover as anyone else; the main difference is that you may find your cover is cheaper compared to younger homeowners.

Did you know?

You can get combined over 50s building and contents insurance to make things easier to manage and possibly even save money.

 

Keeping the cost of over 50s home insurance to a minimum

You can keep costs down by using the following tips:

  • Consider paying for your policy upfront rather than monthly
  • Make your property more secure with things like security lights, a good alarm and secure locks on windows and doors
  • Get quotes from several different insurance providers

Did you know?

Accidental damage will usually need to be specifically added to your policy and will not be included as standard.

Why get over 50s home insurance quotes online?

Key benefits of getting over 50s home insurance quotes online include:

  • No pressure from insurance agents to take out a particular policy
  • Get quotes from many different insurance providers in a quick and easy manner
  • Choose how you want to pay
  • Potentially save a good deal of money

Get Over 50s Home Insurance Quotes Right Now!

If you’re ready to get over 50s home insurance quotes from a panel of specialist providers now, then you’re in the right place. Simply click the green button below and you can have quotes that are tailored to your exact wants and needs in a matter of minutes.

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Over 50 Home Insurance FAQs

What is covered by an over 50s home insurance policy?

This depends on whether you choose to take out just building insurance or contents insurance too. With a combined building and contents insurance policy, your home will be covered for structural damage as well as burglaries.

Is over 50s home insurance always cheaper?

Not necessarily. All things being equal, you would likely pay less for home insurance compared to someone who is younger but there are many factors insurance providers consider other than just age. For example, the value of your property and its contents as well as how secure your home is all come in to play.

Will contents be covered for accidental damage?

No, accidental damage usually isn’t included as standard with most home insurance policies. If you want to have it included in your policy, then it will be an add-on that comes at an additional cost.