Home Buildings And Contents Insurance – The Most Important Cover of All

Article by Tom Jones
























Let’s face it; the average home owner nowadays is in debt. They’re paying off a mortgage, they’re paying off a car and most are paying credit card bills as well after having gone out shopping for a new flat screen TV, or the latest surround sound system.

You don’t often come across families any more who are willing to keep the same old fridge for twenty years. Instead, most couples replace household appliances continuously and this usually means they’re constantly in debt.

With all that debt around your neck, do you really believe you could afford to purchase a second home in the event your current one got ravaged by fire? Perhaps you’re unfortunate enough to get hit by flooding, something which seems to be happening ever more frequently in the UK lately. Sure, flood waters may not sweep your home away, but they’ll certainly cause severe damage to your property and possibly to your belonging as well.

With this in mind, is it really worth taking a chance, considering buildings and contents insurance is for the most part very affordable. After all, nobody can predict when a disaster will strike and neither can you be sure it’ll never happen to you. In fact, there was severe flooding in many parts of the UK just recently and one can only wonder how many of those who were affected are unable to rebuild their lives simply because they had chosen to go without insurance.

Buildings and contents insurance actually refers to two different types of insurance, although in the vast majority of cases, the two are provided alongside each other. This is mostly because people, who realise the importance of builds insurance, also realise how important contents insurance is and providing you get both types of cover from the same provider, a huge discount is usually made available to you. So, what are the main differences between the two types of cover?

Buildings insurance covers the structure of your property. In other words, it covers the building itself, together with all fixtures such as fitted kitchens, fitted bathrooms, fitted cupboards and etc. It also covers any outbuildings on the property, as well as your perimeter wall or fence. Ideally, when you take out buildings insurance, you need to make sure the amount you’re covered for is enough to rebuild your home if the need ever arises.

Generally speaking, the insurance company will advise you as to how much cover you require, bearing in mind that the cost of re-building is always less than the market value, simply because even if your home is destroyed, you’ll still have the land it stood on.

When purchasing contents insurance, you need to focus on what’s referred to as being the ‘sum insured’. Basically, this is the maximum amount of money your insurance company will pay in the event of a claim. Don’t be tempted to set this figure too high in the hope of getting more out of your insurance company. The insurance company will not pay out the full sum, but instead, they’ll pay you what they believe your possessions were worth, even though you would have been paying higher premiums. On the other hand, if you set the figure too low, the amount of money you receive won’t be sufficient enough to replace all your belongings. The key is to be as honest as possible and as accurate as possible.

Perhaps the most important thing of all when choosing home buildings and contents insurance, is that you need to shop around for different quotes and of course you really do need to make sure you understand exactly what is and what isn’t covered in a policy before you accept it. Remember, if you don’t fully understand your policy, you could end up providing your insurance company with an opportunity to avoid paying you out if you ever submit a claim.

About the Author

If you’re looking for a quote on buildings and contents insurance visit Swinton.












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Cheap Home Contents Insurance: An Unavoidable Requirement

Article by Henry Bell
























Does the thought of spending more money on home contents insurance bother you? Are you in no frame of mind to shell out more money from your pockets on home insurance? If yes, then why not go for cheap home contents insurance.

Cheap home contents insurance is a policy best suited for all budget conscious people who on one hand wants to insure their home contents but on the other hand, they are not willing to spend more money on home contents insurance.

Cheap home contents insurance covers all items in the house including furniture, furnishings, household goods, garden equipment, kitchen equipment, food drink, television, computer, video and audio equipments, clothes etc. If some damage is done to them because of fire or water, then the insurance company will pay to cover the cost of replacing those items. This is even true in the case thefts or burglary.

Though there are many companies that provide cheap home contents insurance, there should also be some efforts on your part to lower the rate of premium of your home contents insurance. It is advisable for you to install some safety features such as fire alarm, burglary alarm in your homes. This will assist you in procuring cheap home contents insurance for your homes.

To find a cheap home contents insurance, you need to do some research. It is sensible if you buy your auto insurance from the same company as your home contents insurance. By doing this you can avail the home contents insurance at a cheap and a discounted price. Again you too need to compare the various home contents insurance from the markets of UK. By doing so you can locate the insurance companies that will provide cheap home contents insurances.

Nowadays this work of searching and locating the companies that provide cheap home contents insurance is made easy with the internet facilities. Many companies have their own websites. You can search for the perfect cheap home contents insurance through the internet in just a few minutes. So without any postponement, buy cheap home contents insurance now, to ensure that if something happens to your belongings, it will be taken care of by the insurance company.

About the Author

Henry Bell is an author who can certainly identify the kind of insurance that you will need. He is proficient in the insurance world; he is an MBA(finance) from University of Oxford. Insuranceb.co.uk endeavors to find the best possible deals for its customers. To find Cheap home contents insurance, Travel insurance in UK, Home Insurance in UK, Van insurance, Motorcycle insurance, Holiday insurance visit http://www.insuranceb.co.uk












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Compare home contents Insurance

Article by Jon McGovern
























Most people want to compare home contents insurance to be sure that they’re getting the best deal possible. The key to making the most of your home insurance comparisons is to not only compare the price but the policy features too.To start with, like most forms of insurance, home contents insurance will normally carry an excess. The excess is a financial amount that you would be expected to pay in the event of a claim and it’s sometimes called the ‘first part’. So to compare home contents insurance policies you may need to start by examining the respective excesses. In general terms, the higher the excess then the lower the price of the policy (usually known as the premium) – providing all other things are equal. Taking the comparison to the next stage requires some thought as to what the different policies include.Typically a home contents policy will, as the name suggests, cover the contents of the home. This usually includes furniture and fittings, personal belongings such as clothes and ornaments, and most forms of jewellery and electronic equipment. With some policies, individual high value items such as rare antiques, very precious jewellery and high value electronic items may need to be declared separately. Insuring these items may involve additional costs. The policy may also cover items of furniture and equipment such as garden furniture and tools stored outside or in external sheds. It may also be possible to insure under this type of policy for the loss or damage of personal property when in use at other locations – a good example of this may be the loss of expensive spectacles at the office.As with all insurance, many home contents insurance policies could come with exclusions and conditions. When comparing between policies, these are also factors that may help a decision.As an example, not all policies necessarily offer new-for-old cover. In other words, if for example, a five-year-old television is destroyed in an accident, the policy may not replace it with a brand new, current model. Some policies may have value limits for individual items. Others may exclude certain types of items or goods such as cash or commercial goods for sale that were stored at the home. Items that are someone else’s property, such as an employer’s computer in use in the house, could also face exclusions. Something else that may require attention is the fact that not all policies view the security of the home in the same way. Some companies may insist that specialist locks and alarms are fitted to doors and windows before some categories of cover are be available. Others may charge additional amounts for properties situated in certain areas seen to be ‘high risk’ in terms of burglary etc. There are home insurance comparison websites that can help you make the selection process easier by allowing you to not only compare the premiums but some of the major policy benefits too. This means that you can choose the policy that best fits your requirements and budget.

About the Author

Jon McGovern is from Tescocompare.com, the insurance comparison site where you can compare car insurance policy features and prices.












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