Don’t Get Left in the Lurch: Make Sure Your Home Insurance is Right for You

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When it comes to home insurance, it’s important to remember that the cheapest deal isn’t the best one. The best deal is the one that covers you adequately, while still being great value for money. Deals like this do exist, you just need to put some effort into your search. Take a look at the following points to make sure your home insurance deal is right for you:

Never Assume

First of all, you should never assume that something is covered in your policy if you don’t know for sure. Double check with your provider, and even read the small print so you know exactly how you’re covered. You still need to get content’s insurance if your property is rented, to protect your belongings. It isn’t just the landlord’s responsibility. Whether you own your 3 bedroom property in St Albans or go for a 2 bedroom apartment to rent in Rickmansworth, you need insurance.

Accidental Damage

Most policies do not have accidental damage on their policies as standard. If you want to be covered for accidental damage, you’ll more than likely need to add it on to the policy and pay extra for it.

Home Insurance - Accidental Damage
Home Insurance – Accidental Damage

Home Emergency Cover

Hardly any policies include cover for emergencies. In fact, there are very few policies that actually have this included at all.

Covering Valuable Items

If you have valuable items in your home, don’t assume that these are covered in your content’s insurance. Items that are worth more than £1,500 will need to be covered separately. This means insuring your jewellery, the TV, and maybe even designer clothes.

Getting the Best Value for Money

To get the best value for money, you need to ensure that everything you possess and value is covered for the best price. Here are some top tips:

• Build up a no claims discount – no claims discounts with home insurance work much like no claims discounts with car insurance. The longer you can go without making a claim, the cheaper your home insurance will get over time. If you do need to replace something in the home, workout whether it would be better for you to cover the cost yourself or to go through insurance. If you can cover the cost yourself, you can save your no claims discount.

• Make your home more secure – the more secure your home, the less chance thieves have from breaking, entering, and stealing your things. Insurance companies will take this into account when insuring you, and will drop the price significantly depending on how secure your house is.

• Use comparison sites – comparison sites are great for comparing the different policies you could have, but make sure you’re comparing like with like. You shouldn’t just be looking at the price, but the features of each policy too. Some companies won’t be included on comparison sites, so make sure you check them separately.

Make sure your home insurance is right for you and you’ll never get left in the lurch again.