Hot Topics

What does Home Insurance Cover?: Home Insurance covers damage to or loss of the structure and permanent fittings in your house.
Are there any circumstances that may mean you cannot get Home & Contents Insurance?: Yes. If your property is in an area which experiences frequent flooding or land slip you will find it hard to obtain insurance. Flats in high-rise blocks and properties in certain parts of the country may also experience problems obtaining cover.
Will the Risk of Subsidence or Land Slippage Affect Your Insurance Premium?: Yes either will greatly affect your premium.
How Do You calculate the value for your Contents Insurance?: Ideally you should compile a detailed and thorough inventory of all your contents. This enables you to work out how much to insure for and, if you have a claim, your claim will be settled so much quicker.

What Parts of my Property are Unlikely to be Covered by Home Insurance?

Home Insurance rarely covers swimming pools, plants, trees, paths, fences, gates and drives.

Home Insurance usually covers everything else that is permanently attached to your property. Belongings that are not permanently attached to your property should be insured under a Contents Insurance cover.

Please specifically check out what your proposed policy includes. Conditions and levels of cover do vary between insurance companies.

Frequently Asked Questions related to the above topic.
Click below if you wish tread them: -