Home insurance: question in mind

Home insurance: question in mind

It is so important to make sure that your buildings cover includes the cost of alternative accommodation in the event that your home is uninhabitable. It is also worth checking whether the policy covers the cost of rebuilding or if it gives the market value of your property.

Building insurance covers the permanent fixtures of your home, such as your bathroom suite, fitted kitchen and decorations. Essentially, anything that you could not take with you if you moved home will typically be covered by your buildings insurance. But other things such as those which you can take with you when you move like furniture, electrical goods and clothing, have to be insured separately with a contents insurance policy.

You have to know that in buildings insurance, the least expensive policies do not always give the best value. For example, cheaper policies will only give you the market value of the goods that you need to replace, not what it will actually cost you to buy new replacements. If you would not be prepared to replace a damaged rug with a second hand one,

you may wish to pay a little extra for your contents insurance to get a new for old policy.Contents and Buildings insurance will both normally cover you for damage or destruction of your property by flood, storms, fire, theft and vandalism, but higher levels of cover are available if you feel that it is necessary, for example accidental damage. If you have children in the home this can be very useful and well worth the extra premium.There are lots of price comparison websites;

you will find companies with many different offering that will suit you and your needs and most of these companies will help you understand the different levels of cover as well as just quoting prices. It is important that the policy you have meets your needs so do look at the details.