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Contents Insurance for House and Home

Contents insurance is an element of your home insurance which is purely for cover of the contents and valuables in your home. It would be sensible to insure the valuables in your home as if in the case of a fire and you lose it, the total amount of money to replace them would be astronomical. Typical examples of these valuables would be:

  • Furniture
  • Tv - HiFi
  • Carpets
  • Clothing

Buildings Insurance

As the title suggests, building insurance covers your building's structure including its fixtures and fittings. Should your walls collapse, your house burn down, your roof cave in or any natural disaster occur then building insurance is what you need. Always read the small print to find out what is not covered.

Factors that will make your home contents insurance even cheaper.

1.Risk Assessment

Simple things like fitting proper door and window locks, alarm systems and / or security cameras (even if they are fake) will reduce your house insurance premium because you will not be considered as much of a risk to the insurance company.

2.Value your possessions correctly
Always make sure you value your house contents as accurately as possible as if you undervalue, you will probably lose more than the difference and between the actual value and the value stated to the insurer. For example, if your contents are worth £20,000 but you only insured them for £15,000 and you made a claim on a single item i.e. a £2000 television. Then the insurer may only issue a cheque for a proportional amount of the £15,000 stated in your evaluation of total contents.

On the other hand, should you over value your premium will be extremely loaded.

Latest News

Home Insurance & Travelling - August 22, 2010

Home insurance is a fantastic product that covers all sorts of elements of life today. From bicycles to mobile phones to cash to luggage when you go on holiday, most policies cover a whole range of things that you absolutely have to have covered if you want to minimise your losses. However, this year people [...]

Home Insurance & Leaving The Lights On - August 14, 2010

Home insurance companies absolutely hate this time of year because they receive more claims than at any other time, aside from the period around Christmas. When people are aware on their summer holidays, they are far more likely to return to find their home broken into and all of their possessions gone than they are [...]

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