Buildings and contents insurance. The most suitable for you

Need two types of insurance to ensure effective protection of private property such as buildings and contents insurance.



Buildings insurance or sponsor for repair costs, the restoration of the home page, including fixtures and fittings such as kitchen cabinets, built-in wardrobes, sinks webats.



Contents insurance is offering your personal effects these are items, store and move to another House, such as carpets, furniture and curtains.



Buildings insurance



A key factor on buildings is to make sure that you have sufficient insurance coverage to rebuild your home from the foundations up in catastrophe.



Cost recovery is the market value of your home and is not connected to the estimated value "Council tax.



Insurers use a formula to work with the cost of reconstruction--but overall, the market value, if your home is damaged beyond repair, requiring the recovery of land under the still intact.



The land around one third of the value of your home, where cost recovery is often lower than the price of new homes.



If you have a mortgage, make most lenders insurance for suitable buildings condition of the loan.



Many will try to sell their products to you, but do not perceive without consideration of other options may provide good coverage and cheaper.



Contents insurance



Is a key factor for the content of the insurance sum insured "-this is the top line will pay your insurance company.



If you set the value insured amount is extremely high, the insurance company pays the value of the property and will pay a lot for your approach.



If you set the insurer of the insured amount is too low to maintain your insurance premiums, the insurer will pay less than your property if you make a claim.



It is important to look long and preparing your property and give it a fair where you can set up your the amount insured.



Conditions of insurance of buildings and contents



It is important to understand exactly what you have insurance coverage.



Some bases are the subject of each policy and similar settlement of claims for fire or theft. Depending on where you live, in the provision of coverage of events such as floods and also.



Also regularly must review your costs for the reconstruction of the amount insured for sure still cover that meets your requirements.



Avoid rejection



Don't forget to take care of your home and your property. If the insurer may avoid your claim settlement because she may not support your home and this contributed to the injury or the distance against loss or damage to your property, will.



Limited support for the setting of your home, such as cleaning gutters and tile-roof.



Protect your property insurance company locks management approved his garage, shed and ground floor Windows and doors.



Buildings and contents insurance



May be available for the insurance of the buildings and contents with the same insurance company without concessions.