The thought of a house fire would be the idea of everyone’s worst nightmare as it would put all the family at risk of death or serious illness or injury
In the event of a total loss how would you feel if you lost all your personal belongings and your home. It would devastate your life and would cause you untold grief for a long long time
So how do you go about and rebuild your life and your home. It is very important that when you purchase your property that you invest good money in a top rated buildings and contents policy. It is also very important not to buy a cheap buildings and contents policy as in the event of a claim you want to make sure that you are going to get a pay out
So how do you choose a top rated policy? The best and most convenient way is to use a highly rated insurance broker. They are specialist in the market and know the best companies to use when it comes to cost and claims history. You should also ask them to provide information on awards and accolades that the companies may have received in the industry. Remember the companies have won these awards for a reason and should not be discounted
So how do you decide what cover you require. Within your policy you should have buildings and contents for starters. You should also make sure that you include accidental damage as this is likely to be required at some stage especially if you have young children in the house as they are the most common causes for accidents. They may put a toy through the television or smash an expensive glass table. You can also add personal possessions to your policy if you require to insure expensive items away from the home. Within your contents cover you may also wish to Specify items if they are over a certain value, usually £3,000 . this may be jewellery, art or if you had an expensive coin collection.
Other optional extras that you may wish to include within the policy is Legal Expenses which may cover you for up to £50,000. This may cover employment disputes or legal tax inquiries, amongst other things. Other extras that you may wish to include can be Home Emergency cover which usually covers you for up to £500. Most things that this covers is Boiler breakdown, Central heating failure, Loss of hot water, Plumbing problems, including burst pipes, Drainage trouble, Electrical failure, Roof damage caused by extreme weather, Security issues - especially compromised doors and windows
The final optional extra that you may wish to add would be loss of key cover. As it says this would come in very handy especially if you had been on a night out and then had the unfortunate problem of losing your keys.
Remember all of these extras come at an extra cost but it may be worth paying the extra premium if you feel that this is something that you require. https://90mortgagesuk.co.uk