7 Things You Did Not Know About Home and Content Insurance
There are some wonderful things about home and contents insurance that many policyholders are unaware of. In the main, everyone is aware of the benefits of contents and buildings policies. They are eager to take out a robust plan that covers them against all sorts of eventualities. But, when it comes to really knowing your insurance, there are some things that you may not be aware of. What’s more, these benefits can prove to be valuable tools in your arsenal should the unfortunate happen.
Accidental damage is one of those hidden gems of contents insurance. When it comes to protecting your possessions, accidental damage can cover a broad range of things. For those with small children, this can be a blessing in disguise. You can be covered for broken mirrors and glass as well as carpet marks and stains. So, if you are a little accident prone or have a set of butter fingers, this can prove to be a useful asset.
2. Replacing Locks and Keys
Hands up if you have ever lost, or ‘misplaced’ your keys? Well, you don’t have to worry any longer. Many companies will insure you against this kind of event. Mostly, this is covered in home and contents insurance policies. What’s more, you can ensure that you have new locks fitted. So, you don’t have to worry about compromising your home’s security.
3. Forget Expensive Mobile Phone Cover, Your Buildings and Contents Has it Covered
Mobile phone shops love to sell insurance. But, you may not need it. Many insurance policies include possessions that are taken out of the home. So, you don’t have to spend a fortune on costly separate plans. In some instances, you can be covered for your possessions when you are on holiday too. This can cover a full range of things like jewellery and cameras.
4. Saving Your Food
Let’s face it; we all like to hoard food. As such, we tend to have a freezer that is full to the brim with food. But, what would happen in the event of the fridge-freezer breaking down? You don’t have to worry about the expense of grocery shopping. Your home and contents insurance can cover you against these situations.
5. Protecting Your Garden
Garden cover is included in many home and content insurance policies. This means that your shed and the valuables within your garden are safeguarded. Often, these policies protect people against theft and vandalism. So, it’s worth checking out how much your garden is insured for.
6. Alternative Accommodation
Should your home become inhabitable, it’s always good to know that a combined policy will ensure that you have a roof over your head. Should fire, flood or damage occur within your property, your insurance plan will pay out for you to stay somewhere else.
7. Interest-Free Direct Debits
Not everyone has a sizeable chunk of cash to pay off their insurance premium in one go. So, it makes sense to take out a combined home and contents insurance policy plan. This means that you can break down the cost of your plan and pay it in instalments over the course of the year. The great news is, is that it’s interest free.