Home insurance is a must
Your home and everything in it are constantly at risk of damage or loss. Storm, flood, fire, frozen pipes, subsidence and burglary are just a few of the costly events that can affect your home or the possessions you normally keep there. Buildings and contents cover is vital to make sure you don’t face all the repair or replacement costs.
Bear in mind that the rebuilding cost of a property is not the same as its market value, which may be higher or lower – normally higher unless the construction method and materials are unusually expensive. If a home is not insured for its full rebuilding cost, any claim related to it may be scaled down proportionately, even if it’s a fairly small claim.
Similarly, any loss or damage claim relating to contents may be scaled down if their total value has been understated. It’s also essential to identify any items of particular value and include them individually. Secure For Life can help you get everything properly covered at a competitive cost and assist if you need to make a claim in the future.
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