If you make a claim on a home insurance policy – whether it’s your buildings or contents cover – your insurer makes a deduction from the total, and does not pay out the full amount.
If you’re looking to save money on your home insurance, it’s a good idea to get the right locks fitted.
Most of us take good care of our homes. But as Elvis Costello sang in his classic ode to the importance of home insurance: "accidents will happen".
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While the arguments rage over whether Britain is getting warmer, it certainly appears to be getting wetter. Storms and heavy rains have given thousands of homeowners the sinking feeling that comes with seeing your home fill with water.
Flooding can cause serious damage to our homes, infrastructure and livelihoods, so it helps to be prepared and to minimise the damage as much as you can.
Contents insurance is optional. Nobody, other than yourself, is at risk of loss should a burglar take a fancy to your stuff, or should a cigarette send your belongings up in smoke.
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Buildings insurance covers the structure, fixtures and fittings of your home, e.g. roof, walls, ceilings, floors, doors and windows, fitted kitchens, built-in cupboards and bathroom suites.
You can get cover for accidental damage, legal expenses and home emergencies as add-ons to your policy. But what do they all do?
Working from home – it’s peaceful, productive and free of responsibility… or is it? If you work from home, you’re responsible for making sure any home office equipment is safe and secure.
There are a number of specialist home insurance policies depending on your circumstances. Let's run through them.
When you apply for buildings insurance for your home, the price of cover depends on how much your property would cost to be completely rebuilt in the very unlikely event it was completely destroyed.
If you’re buying an electronic item or household appliance on the high street, you can guess what happens when you reach the till.
When assessing how much building insurance you require, be aware that you only need to insure the cost of rebuilding your home and not its market value.
When taking out buildings insurance you will be asked for your home’s rebuild cost, and this amount will decide how much you need to insure the property for.
When you take out home contents insurance, you will be asked how much cover you want.
There are several reasons why you might want to cancel your household insurance policy. Maybe you’ve only just taken out the policy, and have had second thoughts.
Most people set up their home insurance policy, then forget about it. They might remember it once a year at renewal, and if they’re sensible, they will then shop around for a cheaper quote.
You only find out just how good your home insurance is when you make a claim. That’s when you discover whether your insurer really is as helpful as they said when you took out the policy.
If you want to reduce your home insurance premiums – and who doesn’t – here are some tips that could save you money on your next quote.
You won’t find out how much (or how little) you could be able to pay for home insurance until you use a price-comparison service to check the best quotes.
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The best way to avoid accidentally invalidating a claim is to familiarise yourself with the small print.
If you’re looking to save money on your home insurance, it’s a good idea to get the right level of security on your property.
There’s no place like home, but it isn’t possible to be there all the time. Sometimes you have to leave it standing empty for lengthy periods.
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