When it comes to protecting your home, it’s easy to be drawn in by the lowest price on a comparison site. But here’s the reality: there’s absolutely no point in paying for cheap Buildings and Contents Cover if it doesn’t pay out when you need it most.

For homeowners — especially those aged 25–50 and first-time buyers — having the right cover matters far more than finding the cheapest premium.

That’s why, at ME Financial, we only recommend Defaqto 5‑Star rated policies with strong features and reliable protection.

Cheap Cover Isn’t Good Value If It Doesn’t Protect You

A cheap monthly premium usually comes with a hidden cost: stripped‑back protection.

Cheaper home insurance often means:

  • Low or unrealistic limits
  • No accidental damage cover
  • No personal possessions cover outside the home
  • Higher excesses
  • More exclusions
  • Slower or outsourced claim handling

When something goes wrong — like a burst pipe, break‑in, or storm damage — you want to be confident your insurance is there to help, not just cheaper on paper.

Why Getting Advice Beats Clicking on a Comparison Site

Comparison sites sort by price — nothing else. They can’t:

  • Explain what’s actually covered
  • Highlight what’s missing
  • Tailor the policy to your home
  • Warn you about hidden exclusions
  • Support you through a claim

With an adviser through Insure ME, you get someone who knows the small print, understands how claims work, and can explain the differences clearly — so you actually know what you’re buying.

Overlooked Features That Make a Big Difference

Here are some key features that often appear in adviser‑recommended, high‑quality products but are missing from many online comparison‑site policies:

1. Personal Possessions Cover (Away From Home)

Many homeowners assume their contents policy automatically protects items like phones, jewellery, watches and laptops — but unless you add personal possessions cover, these items are usually only covered when inside the home.

With stronger policies, the protection can include:

  • Global cover for belongings while travelling
  • Cover for accidental loss, theft, or damage away from home
  • Higher limits for valuable items

This is essential for modern living — especially for families with multiple devices.

2. Trace and Access

A standout feature that becomes invaluable during water leaks.

Quality policies will cover:

  • Finding the source of the leak
  • Damaging or removing parts of walls, ceilings or floors to get to it
  • Repairing that damage afterwards

Cheaper policies may only pay for the pipe repair itself — leaving you with potentially thousands of pounds’ worth of reinstatement costs.

3. Home Emergency Support (24/7)

Many enhanced policies include (or allow you to add) emergency assistance such as:

  • Emergency plumbers
  • Electricians
  • Locksmiths
  • Heating engineers

This can prevent a small issue becoming an expensive disaster — and it gives homeowners peace of mind knowing help is always available.

4. Extended Accidental Damage Options

This is one area where adviser‑recommended policies often stand out.

Higher‑quality providers typically offer:

  • Full accidental damage as standard on buildings and contents
  • More generous claim limits
  • Fewer exclusions (e.g., covering entertainment equipment, worktops, bathrooms, flooring and furniture)

Great for families, first-time buyers and anyone with lively children or pets!

5. More Accurate and Flexible Cover Levels

Some of the better policies include:

  • Sum‑insured approach rather than “bedroom‑rated” (more accurate protection)
  • Automatic inflation protection to keep cover in line with rising costs
  • Flexible add-ons for valuables, bicycles, home office equipment
  • Cover for alternative accommodation if your home becomes uninhabitable

These are exactly the details people often overlook until they need them.

Why We Only Recommend Defaqto 5‑Star Rated Policies

Defaqto 5‑Star means:

  • Comprehensive protection
  • Strong features
  • Fewer exclusions
  • More reliable claims handling

It’s a simple way to ensure that a policy isn’t just cheap — it’s actually good.

Protect Your Home Properly — Not Just Cheaply

If you want Buildings and Contents Cover that actually helps you when something goes wrong, not just something that looks cheap in a comparison table, we’re here to help.

For clear explanations, quality policies and reassurance that your home is properly protected:

➡️ Contact ME today