Over 80s Home Insurance
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Over 80s Home Insurance
Whether you live in a warden controlled apartment or are still in the home you raised your family in, our insurance has something for you. We pride ourselves on our customer service and aim to be as clear and upfront as possible, so you know what you’re getting for your money. Our insurance has been rated 5 Stars by independent financial researcher Defaqto–the highest rating awarded, so you can be sure when you buy your home insurance from us, it’s up there with the best.
I’m moving to be nearer family. Will the cost of my home insurance change?
If you’re moving to a new property be it a bungalow or warden controlled apartment, what you pay for your insurance will most likely change–especially if you’re downsizing. But the size of your new home isn’t the only factor that can affect what you pay, the location is also important. If you’re moving to a smaller property that also is in an area with lower levels of crime you could pay considerably less. But if you’re moving to somewhere that’s on a flood plain you could be paying a lot more. The material of your new home can also influence the price of your new policy, older homes can be more costly to insure as newer homes may have more modernized central heating and electrical systems.
I'm looking for over 80s home insurance -what's the difference between contents and buildings cover?
Contents insurance covers your possessions and any furnishings you might have. For example carpets, curtains, your television, and computer. An easier way to think about it is imagine tipping your house upside down, everything that falls out could be considered contents. Buildings insurance on the other hand covers the fixtures and fittings of your home, such as your fitted bathroom and kitchen, the walls floors, and ceiling. In other words anything that is structural in your property.
My house has been adapted, what sort of adaptations do you cover?
When shopping around for over 80s home insurance, it’s important you get cover that meets your needs. If you have adapted your house, for example fitted a stair lift, we would aim to cover it as part of your buildings policy. If you’ve have made any other modification and want to know if they are covered, please get in touch or find out more in our policy document.
Contents cover – what does over 80s 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 80s 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 80s home insurance can help enhance your cover.
Personal Possessions Cover
With Personal possessions cover, your belongings will be covered while they are away from your home.
For a small fee you can 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.
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.
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.
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.