Home Excess Protection
Reimburse your excess and avoid being left out of pocket with home excess protection.
Why choose Howden for home excess protection?
Here at Howden, as a home insurance broker, we pride ourselves on doing the heavy lifting, so you don’t have to. Thanks to the great relationships we have with our selected panel of standard and specialist home insurers, we make the process of comparing various specialist insurance policies and add-on options, on your behalf, simple and easy. What’s not to like?
We also know that each policy needs to be as individual as its owner, and that’s why we provide a personalised service, focused on getting to know you and finding out exactly what you want from your home insurance.
Ultimately, whether you need to make a claim, purchase a new home insurance policy, or renew an existing one, just know that we’re here if you need us.
Benefits of working with us:
- You can trust us – we’re rated Excellent on Trustpilot.
- We’re driven to save you time, money, and hassle.
- Benefit from a tailored service that comparison sites can’t provide.
- Speak with your local branch, within your community.
- We’re right by your side in the event of a claim.
What is home excess protection?
Home excess protection is an insurance product that provides you with peace of mind knowing that after your policy excess, sometimes known as a deductible, is paid on your home insurance following a successful claim, you will not be out of pocket because home excess protection will be there to reimburse it.
All home insurance policies carry excess, so it’s important that you understand the implications of these excesses on your policy as and when they take effect when you have a claim.
Get in touch with us here at Howden and we can provide you with some clarity on how home excess protection could support you and your home.
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Home excess protection insurance FAQs
What is voluntary excess on home insurance?
Voluntary excess is the amount you choose to pay towards a home insurance claim on top of any compulsory excess set by your insurer. It’s a way to manage your premium, because choosing a higher voluntary excess often reduces what you pay for your policy. The key is making sure the amount you select is something you could comfortably afford if you ever needed to make a claim. It gives you a bit more control over your costs.
How can I claim back on my home insurance excess?
If you have home excess protection in place, you can claim back the excess you paid once your main home insurance claim has been settled.
This type of cover reimburses you up to the limit set in your policy, helping ensure you’re not left out of pocket. You usually need to provide proof of the excess you paid along with the claim outcome, and it's important to remember that any successful claim would need to exceed the value of your excess.
What excess should I choose on home insurance?
The best excess amount depends on what feels affordable for you if you ever need to make a claim. Choosing a higher excess can lower your premium, but it also means you’ll pay more if something goes wrong. A lower excess keeps your claim cost down but may increase your overall premium. It’s all about balancing peace of mind with what fits comfortably within your budget.
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