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Home insurance

Home insurance is very important for all of us who are home owners. We need to protect our investment and preserve the home the family lives in.

With home insurance you can protect the building, flat, apartment, boat and its contents.

The insurance cover includes the physical building, garages, green houses or sheds as well as including fitted permanent fittings such as the kitchen, bathroom fittings, fitted wardrobes, etc.

The cover ensures compensation is due in the case of fire, theft, flooding, acts of god, ground movements, etc. it covers the house re-building costs and professional fees.

If you have a mortgage, the lender will insist that a building insurance policy is teken out. Normally, the lender will insure that the building but you could find a cheaper building insurance solution elsewhere.

It must be pointed out that the rebuilding cost is normally covered by the policy and there is no protection for the market value.

Two ways to reduce the premium is to ask for alternative premiums by varying the excess amount and comparing your policy with a good insurance comparison website.

Home insurance normally includes both the building and contents insurance as a single combined policy which normally results ins a discount.

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