Home I About I Home Insurance I Car insurance I Motorhome Insurance I Van Insurance I Contact Us I Blog I News I Site Map
©2012 Home Quote Direct. All rights reserved. W E Bedford Insurance Services (Wimbledon) Ltd, 265-269 Kingston Road, Wimbledon, London, SW19 3FW is authorised and regulated by the Financial Services Authority. Our FSA Register number is 305737
Hosting & Online Marketing by Gravytrain Limited
www.gravytrain.co.uk
Home Content Insurance
Home contents insurance will give homeowners protection for all items in the home; including appliances, electronic goods and furniture. Most home content policies will even cover food in the fridge and freezer. At an extra cost you can also protect your personal possessions even if they are lost away from the home. The cost of replacing all your possessions will almost certainly be much higher than you imagine. It's easy to think that bad things happen to other people and not ourselves, but the facts suggest, this isn't a risk we can afford to take.
What type of policy is available?
Normally there are two kinds of contents insurance available, the cheapest is indemnity insurance which will replace items with a similar one of the same age. A more expensive option and one which is very popular is the “new for old” policy which will replace any item with one which is brand new. We live in an age of quick technological advances and for this reason option 2 is much more apt for today.
How much cover do I need?
Working out exactly how much insurance cover you need is not easy. It will certainly help to make an inventory and move through your home room by room as you complete it. This list can be used to estimate the value of your items and the amount of protection needed; it will also come in handy in the event of a claim being made.
The most frequent causes of having to make a claim on a home contents insurance policy are theft, accidents in the home, and leaking or burst pipes. However, hundreds more risks are out there and a good policy will cover you against all of them; earthquake, storm, fire for instance are not that common in the UK but all do happen and must be covered.
There is a real risk of being underinsured when it comes to contents insurance and we at Home Quote Direct will ensure this will not happen. By filling in the easy online form we can find a quote which will save you money and give peace of mind in a matter of minutes… even seconds sometimes. If you have any questions regarding home content insurance, our team of experts will be happy to help.
|
|
|
|