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Home Insurance
Home insurance or household insurance is an insurance policy that combines insurance for your home, the house contents, loss of use (additional living expenses), home liability insurance and often, personal possessions. To make sure that you do not suffer as a result of any damage to your building or your possessions it is vital to invest in a suitable house insurance policy.
Buildings Insurance
Buildings insurance enables you to cover the cost of rebuilding your home in the event of a fire, flood, or other crucial damage. Buildings insurance protects the structure of your home including permanent fixtures, bathroom fittings and fitted kitchens.
It is important to note that the value of your home for insurance purposes is restricted to the cost of rebuilding the house and replacing the permanent fixtures. 'Under-insurance' can be a problem so you should inform your insurance company of any expensive modifications to your home as soon as possible. As with most insurance products it is essential to shop around. We make sure you have quotes from a number of home insurance providers to ensure that you find the right product for your requirements at the right price.
Contents Insurance
House contents insurance (also known as home and contents insurance), although not compulsory in the UK, is normally available from your house insurance provider. Be wary of home insurance providers who offer you a very cheap quote - your home often holds more than just sentimental value, replacing your items can be costly. As a home owner your insurance policy should provide cover for household possessions such as:-
- Electrical Goods: televisions, videos, computers, laptops, MP3 players, phones, hi-fis etc.
- Other Goods: carpets, furniture, bed linen, towels, clothes, shoes, CD's, books, china, cooking utensils etc.
Valuations and Additional Items
For rare or expensive items such as antiques and jewellery, ask for an evaluation. This will help with any queries the home insurance provider may have whilst ensuring you have the right level of cover. Some possessions may need to be insured separately because all policies will have an upper limit. This limit is specific to your home insurance policy and items such as computers and mobile phones are most likely to fit into this category.
Let us do the hard work!
At Frank Pickles we deal with leading household insurers to ensure you get the best cover at a competitive premium.