A Simple Approach To House And Contents Insurance

A Simple Approach To House And Contents Insurance.

Insuring your house and its contents can sometimes appear complicated, but it need not be. Computer assisted quotation systems which are constantly updated means we can now obtain competitive premiums from many companies. This allows us the discretion of choice to suit our particular and some may occasionally say peculiar needs.
Buildings:

The home in which we live and outbuildings should be insured for the full rebuilding costs, which is not necessarily the purchase price. Within the sum insured we should allow for additional charges which could be involved, such as site clearance and professional fees. Alternative accommodation costs (to house the family if the building is damaged and cannot be lived in) can also be covered.

Accidental damage cover is a separate entity and this can be obtained which provides that extra protection for damage to buildings not normally included in a standard policy.

Contents:

A policy to cover household goods and personal effects that normally remain in the house. In addition items such as clothing, valuables, cameras, cash and credit cards, which are "removable" are insured differently on an All Risks policy

Accidental damage cover to most contents such as coffee or paint spills on the carpet, or ornaments broken by children at play, can be added to the standard policy. What we choose to add or omit from our policies is again left to our discretion.

Contents insurance is an item which remains very much an under insured area. With the increase in break-ins and theft the recommendation is that matters are kept under regular review.

Although the cost of contents cover has increased over the years there are ways of containing the premium. The most notable of which is the option (as in motor insurance) of paying the first £100 or £200 of any claim. Another reduction in the premium is possible if members of the household are 50 or older. Another reduction is possible if the home is protected by an approved intruder alarm system.

For further information in these or any other types of insurance or a more in depth explanation of your options in these matters why not call us today.

Diana Williams

Managing Director.

Williams Insurance Services Ltd.

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