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Home Insurance Facts
  • Insurance policies vary in two primary ways -- the property insured, and the types of events that cause the loss. With regards to property, some policies cover basic equipment (furniture, inventory, building, and supplies), others insure money and securities (cash on premisis, irreplaceable records, etc.)
  • If you are considering installing an alarm get advice from your insurers first, before buying one. Many insurance companies insist that the installation of alarms is carried out by companies registered with the National Approval Council for Security Systems (NACOSS) - Queensgate House, 14 Cookham Road, Maidenhead, Berkshire, SL6 8AJ.
  • List your valuable items with serial numbers and a short description. Take photographs or videos of items such as jewellery and keep them with your policy. You will have a better chance of getting your property back after a burglary.

Please note that information contained on The Insurance Page web site does not constitute regulated financial advice, which recommends a course of action based upon the specifics of your personal circumstances. The web site is intended to provide general personal financial information. We urge you to consult an Independent Financial Adviser (IFA) before making any important decisions about your finances.

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Home Insurance
Home Insurance Tips

When you choose home insurance, you need to be sure your policy offers comprehensive cover for your contents, both inside and outside the house. Below are a few questions you might want to ask when selecting your cover:

  • Is it new for old as standard?
  • What is the policy excess?
  • What cover do I get under accidental damage cover?
  • Do I have to pay an additional premium for pedal cycles?
  • Does it cover food in the freezer?
  • Will it cover the business equipment at my property?
  • Am I covered on my contents if I have a burst pipe?
  • Does the sum insured cover my jewellery?
  • Will it cover my contents when I am abroad and am I covered for liabilities to third parties?
  • Can I receive a discount by taking out both buildings and contents insurance with the same company and can I get a no claim discount for my no claims history?