Investing in a property to call it home is one of the most defining moments in a person’s life, and gaining the necessary protection for it shouldn’t come with a hefty price tag. Take comfort in a secure home insurance policy with the knowledge that if the worst happens, suitable coverage is at hand. A Home Insurance policy offers protection against Buildings, Contents, Valuables and Liability.
Buildings coverage offers protection against any eventuality such as fire, flood, natural disasters or any accidental damage which might leave your property in an unfit state. When insuring buildings, one must consider the amount required to rebuild the premises to its present state. This amount should not include the land value on which the property stands.
With a Contents Insurance Policy, all house contents can be covered against any accidental damage caused within the property. The value associated with each item represents the cost associated with the purchase of the same object as new at the time the cover is set.
Jewellery, watches and photographic equipment can be insured under a Home Insurance Policy under the Valuables section. Even if the items are not within the property, these can be insured under an All Risk basis. Upon insuring such items, a valuation or a purchase receipt have to be provided. The policy can be extended if the valuables are being carried during travel, both within and outside Europe.
The Liability section of a Home Insurance covers accidents happening in and around your buildings, such as bodily injuries or damage to neighbouring properties respectively, which you become legally liable as owner of the buildings.
Don’t get confused, our representatives will be able to guide you through the factors which make up the Home Insurance policy. Request a quote online or email us on [email protected].