Next to car insurance, this will be the biggest investment for a lot of people, so why not protect it?
Getting the right cover is essential if you want the policy to work for you. Things to consider are:
· the rebuild value as this is what you need to insure for, never the market value as this will fluctuate as the policy & sums insured are index linked.
· Contents cover; this must also include kitchen & bathrooms.
· Securities, are all accessible points protected?
· Is there a safe
· What is the unoccupancy, ie: amount of consecutive days the property will be left
unoccupied?
· Use of the property
· Extension of valuable objects or all risk covers for jewellery, collectibles & art work
You can also add accidental damage to buildings & contents, this gives extra covers over and above the standard ones included in the policy.
You can choose from three levels of cover; Basic, Plus & Premium with or without an excess.
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