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A Guide to Home Insurance and Covering Communal Areas if you Live in a Flat

Introduction

When taking out an insurance policy to protect against damage to your property it is import to make sure that all areas you are responsible for are covered in your buildings insurance policy. If you live in a typical home, terraced, semi-detached or detached, then this is normally quite straight forward and the policy is normally designed for you, however if you stay in a flat, then it can get a little more complicated and many of the larger insurance companies do not ensure you for anything other than inside your actual flat.

Communal Areas

Communal areas typically consist of the hallway and stairway between each flat. This can sometimes be called the close or landing too. It may also consist of communal drying areas between the flats too. These areas are just as susceptible to damage as your own flat. For example, should the roof of this area get damaged, you will be responsible to pay your share of the repairs, even if you stay on the ground floor.

Solution

If your contents insurance company don’t insure you for these areas then it many local authorities will be able to offer you buildings insurance which will cover both inside your flat and the communal areas. This is often at a very competitive price too. It is then up to you to arrange your own contents insurance from one of the many offers available on the market.

Conclusion

Many insurance companies offer half price or reduced contents insurance if you take out their buildings insurance too, however this is only worth while if they are going to cover you for all the areas you are responsible for. It is often worth just taking out their contents insurance at the full price and paying the local authority buildings insurance, as the combined cost will probably still work out cheaper and the main thing is that every part of your property is fully protected against any damage.

Graeme Dick is an Editor for
Insurance Deals 365 further UK Home, Car, Life and Travel Insurance advice is available.

Article Source: ArticlesBase.com - A Guide to Home Insurance and Covering Communal Areas if you Live in a Flat

Rented Flat Insurance – A Protective Shield for Renters or Tenants!

Rented flat insurance or apartment insurance is available online in order to protect your belongings in a rental unit. Landlord usually have insurance to protect against damages to his building, he or she probably does not have coverage for the valuables they have in the rental unit. A suitable protection cover for renters, which has to taken separately. A landlord’s insurance will not cover a tenant’s items or his belongings from any damages caused due to fire, theft, flood, earthquake, explosions or subsidence.

Furnitures in your dining area, sofas, tables chairs, cots, bed.
Gym or fitness equipments such as gymming accessories, steppers and twisters, pool board, tread mill, cardio equipment, home fitness equipment.

Electronic appliances such as computers, laptops, television, dvds, vcr’s, stereos, cd players, freezer, oven, stove, dry vacuum, vacuum cleaner, dishwasher, refrigerator etc.

Decorative pieces, paintings, jewellery, carpets etc.

In the event some thing disastrous occurs, and you have no place to live in, as your rental unit is damaged due to a fire break out or flood, an apartment insurance will pay for your stay. It also solves your tenant liability problems, especially when a tenant is responsible for maintaining the area. It also covers any injury caused due to a mishap at your rental unit. You may have a visitor, relative or a friend who is injured and your insurance will cover the hospital charges on your behalf.
Benefits of renter’s insurance:

Insurance provides solace to tenants, as he will not loose any thing that he has worked hard.

Don’t be worried about your belongings when you are at office.

You find a replacement of items or contents that are lost or damaged in times of a disaster

Safeguards your family members from loosing their belongings

Avoid any bankruptcy situations in case there is a disaster.

Allay all tenant liability problems, in case your visitor is injured at your place and you are maintaining that area, you insurance will cover all medical expenses.

Renters can make a claim easily if he has an adequate inventory, listing out all the things that are missing or damaged in his rented house. Usually, renter’s need to cover only their contents or belongings inside home and not the structure of the building. This is covered by a landlord, who can opt for a comprehensive package, as this offers a combined insurance policy, a single one with dual benefits such as building and content insurance for landlords, protects both exterior and interiors at the same time.

Kirthy Shetty, Platinum author, Get all your tips related to: Rented Flat Insurance
Further information on: Tenant Screening

Article Source: ArticlesBase.com - Rented Flat Insurance – A Protective Shield for Renters or Tenants!

Money saving Tips for Home Insurance

• Combined building and contents insurance may be a money saver, also compare building and contents insurance as separate policy premiums.
• Do a bit of negotiating.
• Don't obscure your house due to trees and bushes as thieves may think it is an easy target.
• Fit smoke alarms and have fire extinguishers near the kitchen.
• Have a neighbour hood watch scheme sticker in the window.
• Keep claims to a minimum.
• Keep items in a lockable safe.
• Keep trees away from your property.
• Keep you prior claims to a minimum.
• Leave enough time to consider you insurance police terms or other contractual terms carefully, best not take the first offer.
• Make sure that windows have locks and doors have deadlocks
  which can only be opened with a key.
  Obtain a few different quotations with different excess limits.
• Obtain a good security alarm system.
• Over-insuring may increase your premium.
• Pay yearly rather than monthly to save.
  Replace locks to a new house or a property you are moving into or renting.
• Smoking, drinking and keeping pets may affect the premiums.
• The internet is a good source for quickly getting quotes.
• Think about claiming for minor issues.
• Trim trees and bushes regularly.
• Use a safe in the house for your valuables and other high value items should be stored at the bank.
• Water pipes should be lagged and know where the water stop tap
  is - turn off the water if away from the house for a long period.
• Your mortgage provider may have higher charges for home insurance.

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