Insurance

Insurance can help you replace items that have been lost or damaged by various accidents, breakages and problems in your home. The level of cover will depend on the type of insurance cover you want and get. As a general guide most standard insurance packages will cover you for loss or damage caused by fire, theft, flood or vandalism. If you require a more comprehensive insurance package that covers accidental damage and other possibilities then you may have to extend the standard cover and pay extra, check with the insurance company.

Contents insurance
You should consider this type of insurance if you would like the contents of your home covered. Most policies will cover you for fire, flood or water damage, vandalism and theft of all household possessions you would take with you when you move home, this can include computers, TVs and videos, stereo equipment, furniture, clothing and CDs. Accidental damage is sometimes covered, and sometimes not depending on your particular cover.

Items that are frequently taken out of the home, such as cameras and sports equipment, are usually covered by general polices. Some will also pay out if you accidentally damage another person’s property. Many insurers will pay for replacement door locks if you lose your house keys.

Buildings Insurance
You should get this type of insurance if you own your own home. This often covers the structure of your home, as well as permanent fixtures such toilets, baths, basins and fitted kitchens. Garden sheds, greenhouses and garages are usually covered. If you are not sure, ask yourself: can it be moved to a new home?