--- title: I am not the one in Four date: 2012-07-19T00:00:00+01:00 author: Ellie Kyle canonical_url: "https://www.assetsure.com/homes/home-insurance/i-am-not-the-one-in-four/" section: News --- Our Customers Love Us! Home Insurance [Trustpilot](https://uk.trustpilot.com/review/assetsure.com) ### Get a Quote [Get Quote](https://intasure.com/home-insurance/?introducer=59999022) [Home](/) › [Property Insurance](https://www.assetsure.com/homes/) › [Home Insurance](https://www.assetsure.com/homes/home-insurance/) › [I am not the one in Four](https://www.assetsure.com/homes/home-insurance/i-am-not-the-one-in-four/) # I am not the one in Four According to a report in the Daily Mirror, as many as one in four households have no [home insurance](https://www.assetsure.com/homes/home-insurance/) in place and as many as 75% who have taken out home insurance do not have their insurance arranged on the correct basis. Worrying figures indeed. There is perhaps amongst homeowners a “relaxed” attitude to home insurance. It’s a product that’s often not purchased out of choice (as in the case of a mortgage lender requiring buildings Insurance and many people simply cannot see the advantage of having cover in the first place. As with Captain Smith on the Titanic, someone who has never encountered a problem before could perhaps be forgiven for thinking; it’ll never happen to me. It’s all too easy to turn a blind eye to the potential for a ruinous incident to occur and many people are often astounded when they discover the potential costs involved. Alas, nowadays with changing weather patterns, losses are occurring where perhaps they have never been encountered before, more and more homeowners are at threat. In my view, home insurance is an absolute necessity, there is no way I would not buy protection, for years I have paid mine on a direct debit and it becomes part of the household monthly budget. As I look down the list of monthly out goings, the home and car insurance are probably the two most important items, both are protecting me against something that hopefully won’t happen but as someone that many years ago suffered a very large loss, I know, I cannot afford to be without them. Purchasing home insurance is important but that simply isn’t enough, time has to be spent making sure that the cover is adequate for your needs. Having a policy with a sum insured that doesn’t reflect the true rebuilding cost of your home or the replacement cost of your contents could leave you without full protection. In this age of the aggregator, many homeowners are now taking responsibility for arranging their own home covers. It’s simple, plonk in all your details and hey presto, a premium appears and you can complete the whole boring process in a matter of minutes. You may have saved time and perhaps even money but is that the object of the exercise? Do you want cheap insurance or the correct insurance? If you are going to use an aggregator and have any worries speak to the company they recommend, by all means compare prices but you can always phone up a quoted company if you have any questions or are unsure of any answers you have given. If you require help and would prefer not to use an aggregator, there are still many insurance intermediaries trading that will only be too willing to assist you on the phone. We hope this summary helps you think about your cover levels as thoroughly as possible before asking for an insurance quote. ## Latest News & Advice [![Dealing with Woodworm and Dry Rot](/assets/uploads/images/_800x405_crop_center-center_none/assetsure-banner-plain.jpg)](https://www.assetsure.com/homes/home-insurance/woodworm-dry-rot/) ### [Dealing with Woodworm and Dry Rot](https://www.assetsure.com/homes/home-insurance/woodworm-dry-rot/) Woodworm, Dry Rot and Wet Rot. One of the most costly maintenance problems for homeowners is woodworm, dry rot and wet rot. If left untreated it can huge amounts of damage to the interior of your home. There are treatments and remedies to prevent it’s spread and to eliminate the problem it becomes critical. Woodworm is most commonly caused by the furniture beetle which leave larvae boreholes inside the major woodwork elements of a property. These area include the roof timbers, joists, staircase and floorboards. Woodworm can also infest ordinary household furniture causing a home insurance claim problem.... [![Types Door Window Locks](/assets/uploads/images/_800x405_crop_center-center_none/window-lock-news-banner.webp)](https://www.assetsure.com/homes/home-insurance/types-door-window-locks/) ### [Types Door Window Locks](https://www.assetsure.com/homes/home-insurance/types-door-window-locks/) Types of Door and Window Locks – when purchasing a home insurance policy, you may find that your insurance company want you to have certain security measures in force at your property. These should be studied most carefully as without the correct protection being in force, you may find your cover compromised in the event of a claim. For most people, this involves having good quality door and window locks. Good physical security at your property, will be of a far greater benefit in deterring Theft than having an alarm fitted, but not being a lock expert, have do you discover if you have the correct locks fitted at your home?... [![Subsidence Structural Problems](/assets/uploads/images/_800x405_crop_center-center_none/assetsure-banner-plain.jpg)](https://www.assetsure.com/homes/home-insurance/subsidence-structural-problems/) ### [Subsidence Structural Problems](https://www.assetsure.com/homes/home-insurance/subsidence-structural-problems/) Preventing or Dealing with Subsidence and Structural Problems.Whilst subsidence is usually covered by a building insurance policy, it is definitely something that you do not want to happen at your property if at all possible. Claims for subsidence can be on the large side ( hence the reason for the standard policy excess being £1000) and even if the building is repaired by the insurance company, you may find that’s in the future, insurance is harder to source ( and possibly more expensive) and the market value of the property and it’s marketability may also diminish... [More News](https://assetsure.com/news) ## Why choose our specialist insurance cover? ### Home Insurance from Assetsure Our Home Insurance can provide cover for your Buildings, Contents and Personal Effects. Monthly payments available ### Legal Assistance as Standard All our policies include Legal assistance as standard up to £50,000 This offer Legal protection for problems relating to employment, contracts, property and personal injury etc. ### Home Emergency as Standard All our policies cover Home Emergency as standard up to £500. this offers protection against unexpected events such as the failure of your main heating system, blockage of drains or failure of your domestic gas or electricity supply ### £1,000,000 Cover for Buildings We automatically provide you with £1,000,000 cover for rebuilding cost of your property, ideal if you are unsure of your re-building cost. ### Excellent service offered We like to offer all our customers a first class service, which is backed up by our Trust pilot ratings. We are open 6 days a week to assist you with your enquiries. ### Instant cover and policies Most of our policies you can now buy online and receive instant documentation. 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