subject: Contents insurance: How could you live without it? [print this page] Contents insurance: How could you live without it?
This article is based on my research and does not constitute financial advice. I have included links to http://www.lloydstsb.com as I feel they may be helpful to the reader for general information purposes only.
If you're currently weighing up the pros and cons of setting up a home insurance policy, one thing that might tip the balance might be looking around at all of the possessions you have and how you would get by if you were forced to live without them.
Of course, nobody wants to leave themselves open to the risk of being burgled and it is for this reason many of us invest in alarm systems, window locks or security lights. But the unfortunate truth is that criminals can often find ways of getting to your belongings that cannot always be protected against in advance. Home Office figures for last year showed there were an estimated 744,000 domestic burglary incidents in England and Wales between April 2008 and 2009. But while it was noted this number had not been too dissimilar than recorded 12 months before, it still showed many people's homes are under threat.
One of the most difficult things to think about while keeping these statistics in mind might be the potential loss of family heirlooms, treasured possessions and items that carry a certain amount of sentimental value. However, for many the impact on their daily lives can be a more valid reason for why they would need to ensure they have a home insurance policy.
A brand new flat screen television might be just one of the purchases you have made recently, with part of the move intended as a way to dump that bulky old cathode tube model that's been taking up the corner of the room for so many years. Of course your shiny, sleek new panel might be beaming high definition movies, soaps and other programmes into your living room now, but what if the worst happens and it is stolen while you aren't around? Can you really imagine life without a telly? This type of equipment isn't cheap, and as such doing all you can to make sure you and your family aren't left twiddling your thumbs while you save up to buy a replacement might be the savviest move! For others, the scarier reality might be life without the internet. Whether you use your connection to keep up with friends and family online, download your favourite TV shows or conduct business from home, life without a PC or laptop could prove to be more difficult than you think. So why leave yourself open to this by leaving such technology without any kind of cover?
So, if the idea of living without your favourite gadgets sends shivers down your spine, maybe it's about time you considered a life where home contents insuranceis able to provide you with extra peace of mind. Hopefully, you would never have to call upon your insurance provider to make a claim, but with packages available that give unlimited buildings and contents sums insured and cover for valuables up to a predetermined amount - now could be the right time to consider your options.
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