It can be confusing trying to understand which insurance you need to protect your home and your possessions.
We’ve put together a list of top tips to help you find the right cover for you.
1. Make sure you have everything covered
Buildings insurance is essential if you’re a homeowner, to protect the structure and fittings in your home. However, the contents of your home are not always included in this policy.
Contents insurance, although not always compulsory, is essential if you want to protect the possessions in your home. Insuring contents is also recommended for those renting properties, as landlords are often only required to take out buildings insurance.
2. Shop around
Not everybody needs the same level of cover, so why would you take out the same policy as everyone else? Make sure to take the time to search for the best level of cover for you. A general insurance specialist can help you with this, saving you time and using their expert knowledge to advise on the right cover for you.
3. Value your contents carefully
If you under-estimate the value of your contents, you may receive less than the full item value if you need to make a claim. It’s therefore essential that you take the time to work out the value of your contents carefully, so you won’t be underpaid if you do have to make a claim.
4. Keep an eye on renewal dates
Policies sometimes auto-renew and existing customers often get different deals to new customers. It’s therefore important to make sure you are aware of the date that your policy expires, so you have enough time to shop around again for the right deal – as you did when you took out your first policy.
Looking to get your buildings and contents insured? Speak to our specialist building and contents adviser today, who will help find the right deal for you
0800 652 6649