An Englishman’s home is his castle but such grand buildings require a lot of upkeep and maintenance! Whether you live in a humble palace or a grand estate, it’s important that you do everything you can to protect it while keeping an eye on the family silver. Here’s how …
Take no chances
You never know what’s around the corner so take no chances when protecting your home and opt for a suitable insurance policy that covers everything you need. There are many different policies available today – all of which can come with cost-effective quotes – so you’re sure to find a perfect fit for your home.
More Than offers a great range of policies that provide a great range of cover levels so it’s worth investigating all options when making your decision. Click here to get a More Than home insurance quote today and find out how much you can save.
Replacements, reparation prices, damages, personal injury, emergency assistance, protection against the safety of personal belongings and the contents of your home and legal services are all features you can expect with some of their policies so you’re sure to find everything you need.
When receiving quotes for your home insurance you need to make sure that you are as accurate as possible with the information you provide. Submitting false or incorrect information can actually invalidate your policy or push up the premium once the error is detected.
The most important things to get right are:
- Your personal details, employment status and salary (if requested)
- Your homeownership status: do you own your home, have a mortgage or rent? This will affect the type of policy you need as in rented properties the building itself should be insured by the landlord not you
- The value of rebuilding your property: this is not the same as the amount you paid for the property if a homeowner
- The value of the contents of your home: selecting a lower amount may lead to a cheaper premium but if you need to make a claim then it will be insufficient to replace all the items in your home, leaving you out of pocket in the long run
You may be asked to itemise the contents of your home – allocating appropriate individual values – for specific items so it’s important that you are prepared for this and consult receipts where possible. It is interesting to note that a study reported in The Independent this September revealed that the item we’d be most likely to save during a home fire was not electrical items or luxuries but rather important documents and sentimental photos.
In the poll, men prioritised important documents with almost a quarter (24%) choosing to save them first while women opted for sentimental photographs (around 33%). Tech items like laptops and mobile phones were the second choice for men, voted for by 22% of respondents, while women shunned these items as only 12% made technology a priority.