subject: You Won't Get Your Home Insurance Quotes From Shakespeare [print this page] Alright so the title is not a very good play on words, but you may not know where to look when you are thinking about insuring your home and possessions. Probably the best place to start with insurance companies is to look for personal recommendations.
It is always a good idea to know that someone else has used the services of a certain company and found them to be helpful and reliable. If you don't want to ask around about insurance then you can always try searching online to find what you need.
When you are searching out home insurance quotes then you should be aware that there are two basic types of home insurance and they are building and contents. If you own your own home or you have a mortgage then you will need both types of insurance as you are responsible for the building.
Your mortgage lender will probably make building insurance a condition of the loan as your home is an asset they will want to protect. If you are the tenant then building insurance is the responsibility of your landlord but you may still want to get contents insurance to protect your possessions.
Building insurance is designed to insure the building against things like flood damage, fire and anything else that might require a rebuild. Building insurance will also cover things like a leaking roof or replacing damaged and broken windows, most things in fact that can go wrong with the actual building.
You may want to check whether the policy you choose includes liability insurance in case something happens to your home and injury occurs to a third party. If a wall falls down and injures a passer-by or decimates their car then you want to be certain that you are insured against those costs.
If you are looking at a quote for contents insurance then it is a good idea to take an inventory of everything you own before getting a quote. Contents insurance can be a difficult area because if you are like most people then you are often either adding to the contents of your home or replacing some of them and this means it is all too easy to be under insured without realising it.
If something should happen to your home that destroys everything you own then you could find yourself in a position where you have insufficient cover to replace all your belongings. When it comes to contents insurance it is always better to keep a list of any additional items and if any of them are valuable ask the insurance company if you can make adjustments to your policy.
There are actually two types of contents insurance, one for the things that are in your home and another, personal insurance that will cover you for the loss or theft of any belongings that you regularly take out with you. If for example, you take a laptop to work, then it is a good idea to have this kind of insurance when you are looking for home insurance quotes.
by: Tom Jones
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