Home insurance for 6 bedrooms - Best Money Saver

29th November 2018by Chloe Dickenson

The average number of bedrooms in a house in the UK is three, which means that the average person may not be looking for home insurance for a 6-bedroom house.

However, there are of course still homes that accommodate up to 6 bedrooms, which means that you’ll need home insurance to suit these additional rooms.

Home insurance is an imperative thing to have when you’re a homeowner anyway, but the more bedrooms you have in your house, the more you’ll need your home insurance to cover you for.

In this guide, you’ll find a detailed list of the best home insurance providers for 6 bedrooms (or more!).

Home insurance provider Maximum buildings cover Legal expenses cover Maximum bedrooms
Direct Line

 

Unlimited Standard Unlimited
Tesco Bank Unlimited Optional 6 bedrooms
Churchill Unlimited Standard 6 bedrooms
Admiral Unlimited Optional 7 bedrooms
M&S Bank Unlimited Optional 6 bedrooms

Direct Line

Direct Line are a popular home insurance provider to choose no matter the size of your home. They offer great deals and excellent prices for your home insurance.

There’s also up to 35% off your insurance when you buy online with Direct Line, which means you can protect your home for less!

Unique offers and cover

Direct Line aren’t just your standard insurance provider when it comes to looking after your home.

Whether you have one bedroom or six, Direct Line can offer you unbeatable cover such as a policy pay out in terms of cash settlements or new replacements if your items have been stolen or damaged.

Various types of cover

If you have a 6-bedroom home, then you’ll want to make sure that every single room is covered in the event of an emergency or incident.

With Direct Line, you can choose from combined buildings and contents insurance, or just purchase it separately if you don’t require the need for both.

Pros

  • Great discounts available online
  • Cover for an unlimited number of bedrooms
  • Defaqto 5-star rating

Cons

  • Not covered for electrical or mechanical faults in your home
  • Not covered if you leave your house unattended or unoccupied for more than 60 days in a row

Direct Line are a great choice when it comes to buying your home insurance for your 6-bedroom home as you can rest-assured that you can choose the cover you need.

Tesco Bank

Tesco Bank home insurance is also Defaqto 5-star rated so you know that they’re one of the best in the business when it comes to protecting your 6-bedroom home.

Their expert customer advice team are always on hand to help you out with any legal advice you may need about your home insurance policy.

Optional extras

Alongside the standard buildings and contents insurance, Tesco Bank also offer you the chance to purchase optional extras for your home insurance policy.

You can add the likes of contents cover for when you’re away from your home, home emergency cover and family legal guard which gives you access to Tesco’s legal advice helpline.

20% online discount

As well as their incredible range of home insurance policies and optional add-ons, Tesco Bank also offer new Tesco Clubcard customers 20% off their policy when they buy online.

If you’re buying home insurance for a house that has 6 bedrooms, then you’ll want to ensure that you can save as much money as possible.

Pros

  • 20% online discount
  • Defaqto 5-star rated insurance
  • Unlimited buildings cover as standard

Cons

  • Hefty auto-renew price

Tesco Bank are an excellent choice for home insurance if you have 6 bedrooms. You can choose from a vast range of contents, buildings and combined insurance to ensure that every room in your home is covered and protected.

Churchill

Churchill are one of the most popular choices for home insurance for homes with 6-bedrooms.

Their two types of home insurance products mean that you can choose cover to suit yours and your home’s needs.

24/7 legal advice helpline

If you have any questions about your current home insurance policy, or what exactly you’re covered for, you can call the expert team at Churchill at any time of the day.

Whether it’s related to your current policy, or you’re looking to upgrade to a new one, Churchill can assist you with whatever queries you may have.

‘New for old’ cover

With Churchill’s home insurance policies, you’ll also get the chance to choose their ‘new for old’ cover too.

This means that you’re covered in the event of needing to replace anything, including the many clothes that reside in your 6 bedrooms!

Pros

  • 12-month guarantee on building work
  • No admin fees if you need to change your policy details
  • Optional extras such as accidental damage and personal possessions cover

Cons

  • Lower cover for their standard home insurance policy

If you’re looking for a reliable provider for your home insurance policy that will fit the needs of your 6-bedroom home, then Churchill is ideal for you.

They offer great policies with the chance to add any extras to your policy, and their legal advice team can help you with any questions you may have.

Admiral

Admiral are one of the few home insurance providers on this list that cover you for up to 7 bedrooms!

This means you can rest-assured that your insurance policy from Admiral will cover your home in the event of an incident or accident.

Five star rated policies

Admiral are proud to boast their five-star rated Platinum Home Insurance policy.

While they have three levels of flexible cover available, their Platinum home insurance was voted by Moneyfacts as five-star rated in 2018.

Excellent features

Admiral offer a number of optional extras that you can add on to your home insurance policy so that you’re covered for every eventuality.

Choose from the likes of family legal protection, accidental damage cover and home emergency cover to ensure that your 6-bedroom home is well-covered.

Pros

  • Plenty of policy add-ons
  • Incredible customer reviews
  • Award-winning insurance cover

Cons

  • Potentially too many options to choose from – you might not pick the right one!

When you take out your home insurance with Admiral, you can be sure that you’re getting what you pay for.

Your 6-bedroom home and its contents will be well-protected when you take out home insurance with Admiral.

M&S Bank

M&S Bank are another leading specialist when it comes to home insurance for houses with 6 bedrooms.

As well as great discounts and excellent customer service, M&S Bank will ensure that you obtain the right policy for you and your home.

Save 20% on your policy

One of the great features of taking out home insurance with M&S is that you can save 20% when you purchase it online.

As home insurance is not cheap anyway, this discount can really help you to save money on your policy.

Two types of insurance

M&S Bank have two types of home insurance for you to choose from; standard and premier cover.

Both types of cover will ensure that your home is as well looked-after as possible, with the premier type of cover obviously offering you more features and benefits.

Pros

  • 20% discount available when you buy online
  • Incredible benefits with their premier home insurance cover

Cons

  • Their standard cover doesn’t cover you for as much as the premier cover

M&S Bank are a great option to choose if you’re looking for home insurance for 6 bedrooms in your home.

Not only can you save money when you buy your policy online, but you can also benefit from their excellent premier cover.

What you need to know

Home insurance is such an imperative investment to make; whether you have 1 bedroom or 6 bedrooms.

You should make sure that you’re aware of many things when you’re looking to insure your 6 bedroom home, to ensure that your home and the whole family are fully protected at every cost.

Sum insured

This involves the maximum amount that your policy provider will pay out, so you must ensure that it’s accurate when you set it.

It should be enough to cover the cost of rebuilding your home if required, but it shouldn’t be too excessive otherwise you could end up paying extortionate costs for cover that you don’t actually need.

Make sure you have sufficient contents cover

As well as insuring the exterior of your home such as the structure (known as buildings cover), you should also make sure that you have sufficient contents cover.

In a 6 bedroom house, chances are that you’ve got a plethora of belongings situated in every room, so you’ll want to make sure that everything is fully protected. From the likes of all your furniture and electrical appliances, to your clothes and jewellery, and all the kids’ toys, contents insurance will ensure that you’re fully covered in the event of a fire or flood.

You can work out the value of your contents in your home by conducting a thorough room-by-room calculation so that you can make sure you tell your insurance provider the correct amount that you’ll need to be covered for.

Conclusion – home insurance with 6 bedrooms

When you’re looking to buy home insurance for your home that has six bedrooms, you must ensure that you’ve done all the necessary research on every provider available.

Different home insurances will offer different policy benefits and features so it’s important to know exactly what you want to be covered for.

You should also think carefully about your contents insurance policy, so that you can rest-assured that all of your belongings will be covered in the event of an accident to your home.