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Many of us will be surprised at the value of the possessions ( medical insurance ) in our homes. It's important to ensure they're fully insured. This article explains why.
Home and Contents Insurance. Make sure your Contents are not under-insured. Page 2
Author: Michael Challiner
More Than have been so concerned
- The Importance of Getting More Than One Home Insurance Quote
- 70% of homeowners accept this home insurance renewal quote automatically. Bad move! This article explains why.
- Why You Need House Insurance
- A basic introduction to Home and Content Insurance
- UK House Insurance. The Risk of Under-insurance
- The internet has shaken up the market for home insurance. But make sure youre fully insured and be realistic
- Home Insurance Premium Protection In Case Mishap Takes A Rain Check
- A good insight into Home Insurance Policies
- Home Insurance. Flood Alert
- Houses in high flood risk areas could be uninsurable. That's bad news for owners as its value could drop by 80%. This article provides the background.
- Home and Contents Insurance. Poor maintenance can invalidate your cover.
- If a claim on your home and contents insurance is due to poor maintenance, it could be refused. This article includes a ten-point Home Maintenance Check.
A spokes person for More Than said, "The increases will be made from customers' ( mortgage quotations ) renewal dates. There will be no direct effect on premiums until then". Other insurers are certain to follow suit in the near future.
If you take or advice and recalculate the value of your contents, you can find a useful checklist for householders at the web site run by the Association of British Insurers, www.abi.org.uk.
Remember that Contents insurance covers everything that's moveable in your home - that includes your carpets and curtains. But immoveable items such as ( mortgages ) kitchen furniture and fixed lighting are covered by your Buildings insurance. It's the same rule outside. Your child's toy paddling pool is covered by your contents insurance but your big boys' and girls' hot tub is covered under your Buildings insurance!
And whilst you're at it reconsider the cover you've got for your Buildings insurance. The easiest solution is to contact your insurer and they'll recalculate it for you based on the ( best mortgages ) number and types of room you have and your post-code. It's not the sale value of your house you have to insure for. It's the cost of demolition and rebuilding that counts. Your insurer will price rebuilding costs on your post-code.