subject: Stay Off The Streets With Building And Contents Insurance [print this page] No one can simply say for certain that your home will never be affected by a flood, a severe storm, or even a house fire.
In fact, you can't even be sure as to whether or not your home will be broken into at some point and considering that a burglary takes place somewhere in the UK every one and a half minutes, there's actually a good chance that your home will be broken into at some point in your life or suffer some other catastrophe.
Having building and contents to insurance can provide you with much piece of mind. Ironically however, approximately 25% of home owners in the UK fail to insure their homes as well as their belongings. While some may argue that it's only necessary to have building insurance, one should of course take the value of your personal belongings into consideration.
After all, the average home owner spends tens of thousands of pounds furnishing their home and that doesn't even include the cost of having fitted kitchens and fitted bathrooms installed.
Even though consumers can opt for either building insurance or contents insurance, the two generally tend to go hand in hand. This is why one usually finds that most people who insure their homes tend to opt for building and contents insurance. Providing you have such cover in place, you can go about your daily life without having to worry about what you would do in the event that a disaster strikes.
Just for a minute try to imagine how you would feel if your home was destroyed beyond repair and at a time when you didn't have any cover. Even though you may no longer have a home to live in, you would still need to continue repaying the mortgage. Now, if you're paying off a mortgage for a property you no longer have, the chances are you won't be financially capable of purchasing a second home.
One of the best things about building and contents insurance is that it provides you with total cover. Generally speaking, such an insurance policy provides cover in the following manner:
* The building insurance part of your policy will cover the actual structure of your home, including any outbuildings such as your garage, your greenhouse and any garden sheds you may have on the property. It will also cover all fixtures such as fitted kitchens, fitted bathrooms, built in cupboards and etc.
* The contents insurance part of your policy will for the most part cover practically everything within your home. This will include the replacement of clothing, electrical appliances, furniture, carpeting and even the contents of your freezer.
Even though there are a number of things a home owner needs to look out for when purchasing building and contents insurance, having adequate cover can really be with its weight in gold. One of the most important things to bear in mind is that you shouldn't hesitate to discuss any concerns may have with your agent prior to making any final decisions. If you've approached a reputable insurance company, you can be rest assured that their staff will be more than happy to answer any questions you may have.
by: Tom Jones
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