Over 70s Home Insurance
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Over 70s Home Insurance
You’ve probably been retired for a few years now, enjoying your well earned time off. Be it travelling abroad, or wining and dining at your favourite restaurant. Your time is now all your own, and you can choose to spend it exactly how you want to. You might have made some improvements around your home, or you want to swap the city rat race for the countryside. Either way you might be thinking about home insurance more, and how any life changes could affect what you pay for your policy.
How much am I expecting to pay for over 70s home insurance?
When you buy buildings or contents insurance with esure, we treat everyone the same regardless of age. But, there are plenty of other factors that could affect what you pay. If you’re thinking of relocating to be nearer family, or simply just want to get out of the hustle and bustle of the city–it’s worth researching your new area and home with a fine tooth comb. We won’t insure homes that have a great risk of being flooded or those on a flood plain. We also don’t insure any property that has a thatched roof. If you’re thinking of downsizing you might save on your policy, but this does depend on the area you’re moving to.
I travel a lot, will that affect my home insurance policy?
You might have booked yourself a Caribbean cruise, or will be visiting the family in Australia for a while. Depending on how long you’re away, it might be worth checking to see if there are any restrictions in your home insurance policy.
If you’re away for long periods of time, something like a water leak can cause devastating damage if left unnoticed. As a result insurers put in place certain exclusions for the time spent away from home. If you’re with esure, your home is covered as long as you don’t leave it unoccupied for more than 30 consecutive days.
I’ve made several changes to my home – how will it affect my home insurance?
It’s not unusual to spend some of your retirement fund on making changes to your home, be it having a new conservatory, or kitchen fitted. If you’ve made any adjustments or are thinking of doing so, it’s probably worth getting in touch with your insurer to see if it will affect the level of cover you have. If you are away for over five days we would suggest that you take reasonable steps to protect your home, like keeping your heating on timed so your pipes don’t freeze and burst during winter.
If you have increased the number of bathrooms in your home, some insurers might put up the price of your policy because the chance of a water leak happening will increase. Likewise if you have extended your property and have furnished your new space, this could increase your contents sum insured (the total amount of cover for the contents in your home) and in turn increase the amount you pay for your policy.
Contents cover–what does over 70s home insurance look like with esure?
You’ve probably lived in your home for a long while now, and have amassed a lot of things, so it’s important the cover you have meets your needs. When you buy esure Contents Insurance you get:
- New for old contents cover – we'll replace all covered items as new
- Garden contents up to £2,000 – covering things like tools, garden furniture, plants and machinery
- Personal money – up to £750 of your total sum insured to cover lost or stolen cash
- Visitors’ belongings – up to £2,500 to cover their items if they're lost or damaged
- Freezer and fridge contents – up to £1,000 to cover spoiled food if your fridge or freezer stops working
- Outbuilding theft cover - up to £2,000 to cover items stolen from outbuildings, such as fishing tackle and garden tools
Restrictions may apply, check our policy booklet for more information.
Buildings cover – what does over 70s home insurance look like with esure?
- Unlimited buildings cover – even if you need to rebuild your whole house, we'll cover it
- Alternative accommodation – up to £75,000
- Fixtures and fittings – we aim to cover your kitchen, or bathroom suite if it needs replacing after an insured event
- Locks and keys – if your keys are lost or stolen, you'll be covered for the cost of replacing them and installing locks on any external doors up to the value of £1,000
- Unlimited glass and sanitary ware cover – providing the damage is covered by an insured event.
Restrictions may apply, please refer to our policy booklet.
Add more to your home insurance
Getting these great Optional Extras for your over 70s home insurance can help enhance your cover.
If you call out a professional to deal with a pest infestation, we'll cover the cost of the call out and extermination, up to a total cost of £150 (including VAT).
Spend a little extra to avoid ringing around – you can claim for the call out charge and the professional extermination or control of wasps, hornets nests, rats, mice or grey squirrels subject to an overall limit of £150 (including VAT per claim).
For the treatment of bed bugs this cover will pay the contractors charges subject to a maximum of three treatments/extermination and an overall limit of £200 (including VAT) of bed bugs in one infested area in the Home in the event of a call out.
Home Emergency Cover
If you don't want to be stuck on the phone making calls to an out of hours plumber or locksmith, home emergency cover is for you. Just make one call to our emergency helpline, any time day or night and we'll do our best to get your emergency sorted. No Claim Discount is unaffected.
Personal Possessions Cover
Spend a little extra to get cover for accidental loss, damage and theft of your personal possessions while they are temporarily removed from your home anywhere in the United Kingdom and for up to 60 consecutive days anywhere in the rest of the world.
Family Legal Protection
You could get covered for all sorts of situations that may require legal assistance, from employment tribunals to getting back your money after buying something faulty online.
For full information, and terms and conditions on these Optional Extras please look at the policy booklet.