subject: Home Insurance - Why You Should Insure [print this page] Home Insurance is really important, but the current trend is to skimp on the cost of it. but why? Your home is most likely to be the most expensive item you own, and so why not make sure its insured properly for any damage or theft that may occur.
The best way to work out what sort of insurance you needs is totally up how much your belongings cost. It's really tempting to opt for the cheapest amount of cover, but if you have a flat screen tv, laptop, wii console and camera, then you are looking at close to this already. What about all your clothes, Cds and DVDs and other valuable possessions? If you were to make a claim, you would only be covered up to that cost, so therefore would be considerably out of pocket.
Make sure that you read through your policy wording, as it is important to know what your insurance company cover, and what they don't cover.
A good idea is to make sure that you are covered for both buildings and contents insurance with the same provide. This makes it easier if you are making a claim, as some companies will confuse as to what is fixtures (covered in your buildings insurance) and what is a fitting (covered by your Contents Insurance). If both companies are the same, then there will be fewer arguments.
If you have any confusion on the wording, speak to someone within the company to explain it further. Not only will having Home Insurance keep you safe in the event of disaster it will help your peace of mind.
Home Insurance - Why You Should Insure
By: Laura Hartson
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