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Home Insurance... a few facts!
Our guide is designed to help the average home owner drastically reduce overpayments made to insurance companies, and direct them to the best value for money policy.
• Your building insurance should relate to the cost of rebuilding your home, not the value of your home, as your value will include garden eg trees & shrubs, location, etc.
• • • • • • • • •– Always ensure that you are not under insured.
• Several insurers now include home emergency cover in their policy.
• • • • • • • • •– This is an excellent addition as they provide a tradesman to sort problems with gas, electric, heating, plumbing, etc.
• Some insurers are offering interest free installment plans, which help to budget the ever increasing cost of your insurance.
• • • • • • • • •– good savings to be made.
• It can be cost effective, at times, to insure your buildings and contents seperatly.
• • • • • • • • •– possible worthwhile savings to be made.
• Always beware that no two insurance companies give the same level and type of cover.
• • • • • • • • •– If you change your company check that the new policy covers you for your own requirements.
• Policy cover can be very technical and legal jargon abounds.
• • • • • • • • •– Even the insurance company staff often cannot answer questions on many claim issues.
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Worth up to £39.
"Your Legal Care Services gives you peace of mind, knowing that your claim for compensation will be dealt with by our knowledgeable team of staff who specialise in claims management." |
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• If you live near a lake or river make sure you are properly covered for pollution with good public liability insurance. |
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• You will also need liability insurance if you have trees, walls, fence, etc. on your property in the event of a storm causing any of these to damage someone elses property. |
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• Accidental damage is adviseble if you have young children or pets, particularly for contents cover. |
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