Home Insurance Cover. Dull, but oh-so-essential…
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Buying a home usually involves a lot of consideration, not least because it can be the biggest financial commitment someone takes, inevitably over time a collection of valuable and sentimental possessions will be built up. Protecting your home and the contents will be the main motivation for people to apply for home insurance.
An insurance company can advise on the best type of home insurance cover. When buying a property with a mortgage the lender building insurance is usually compulsory. Building insurance can provide financial cover against physical damage to the house or permanent fixtures and fittings such as bathrooms and kitchens.
The other type of home insurance is contents insurance, this provides financial cover against the loss that may result from a burglary, fire, explosion or flooding of the home, whilst possessions can be replaced there are other types of possessions that hold significant sentimental value that are not so easily replaceable.
Whilst flooding is high in certain areas of the UK, fires are not necessarily limited to geographical location. The majority of fires in the home seem to occur in the kitchen, this could be due to accidents when cooking or kitchen appliance defects another room in a home that experiences a high proportion of fires is the lounge. The emergency services have to deal with tens of thousands of house fires every year, a home with a good burglar alarm, secure doors and windows as well as smoke alarms, fire blankets and fire extinguishers can help (save lives) to reduce the amount of insurance premium to be paid.
Students and tenants living in shared properties should apply for individual contents insurance for their own personal items, whereas the building insurance will be the responsibility of the landlord.
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