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General Insurance

Home Insurance


When it comes to the matter of insuring your home what considerations should be taken into account? Many people opt for whatever is the cheapest option and this can be a mistake! Your home is more than likely your most valuable asset but ensuring that the right cover is in place is often a low priority.

Very often people grossly underestimate the value of their contents and problems can ensure when a claim occurs in which the Insurer applies average (the claims payment is reduced by the proportion of under insurance).

Cheapest is very rarely the best. You should make sure both the buildings and contents are insured against accidental damage and that your personal belongings and items of jewellery are insured whilst taken outside of the home. Carrying out a room by room check list is a good way of ascertaining how much you own and you will soon find the value of your contents mounting up.

Contrary to what many people think, Insurers do not want to reduce claims payment due to under insurance they would much prefer that the claim was settled amicably in full and this is why it is so important that you get the sums insured right.


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