House And Contents Insurance
Checking your
contents insurance regularly can be vital if you want to make sure that your house is suitably up to date should
disaster strike.
One thing that is often overlooked when making sure you premium is as
comprehensive as I can be is checking your flood insurance. You should make sure that your home and contents
insurance covers both flooding due to environmental conditions, and flooding due to faulty pipe work or
accidental damage.
Replacing carpets and furniture can be an expensive business if you
suddenly discover that you are only covered under certain circumstances, so if you are in any doubt you
should contact your insurer and they will tell you what is covered under your policy.
Other things apart from your plumbing that you should check are your
electrics, and any specific structural damages. Electrical faults can be costly to repair, and in some cases
can lead to a new rewire which can run to thousands. Structural changes can occur to your home over time, so
make sure that the roof and the damp course are covered by you policy, because these again can be extremely
costly should anything go wrong.
If you make any changes to your house, such as adding a garage, or an
extension, always inform the insurance company as these changes will most probably result in a change to your
premium. It is always better to make sure these changes have been recorded because you may find your policy
will be invalid should you ever need to make a claim against it if the insurers have not been made aware of
the change.
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