Household Insurance

With the flooding all over the country over the last few years, Household Insurance has taken on a greater significance, and care should be taken that you have insured your property correctly. Most Glossopdale properties are built of Stone, a product that is now very difficult to obtain and, therefore, you would normally have to insure the building for more than it’s market value. However, the reverse applies to a lot of the new properties in the area, as the materials to build them are readily available and you would therefore normally insure the property for less than it’s market value.

There are, once again, a range of policies available:-

  1. Buildings Only Insurance- just covers the building, and some items inside the building which are permanently attached to the walls or floors (this does vary, but normally includes Baths and Sinks). Most companies now offer a minimum sum assured (ie £250,000), rather than insuring for a specific level, and this helps you in setting the level of cover. Please remember that the policy also includes cover to clear the site if the house was completely destroyed, and this should be taken into account when setting the level of cover. Accidental Damage Cover can be added.
  2. Contents Only Insurance- does exactly as it says although, if you are a tenant, can also include some of the landlords items, and items permanently attached to the walls. Care should be taken with the level. You need to remember that if the house was permanently destroyed the cover is to replace ALL your goods. Cover can be added to include items away from the home address (such as Jewellry) and again Accidental Damage can be added (a sensible addition if you have pets!)
  3. Buildings and Contents Combined-Is a combination of both the above policies, and covers your entire property. A discount is normally offered if you take buildings and contents together. There are several variations of this type of cover which include High Value properties, and using a room as an office.

 

Like Motor insurance, we use Insure.Com to source our household insurance, but also have other avenues available to us, and this should mean we are able to source the policy that suits you best.

 

We also offer a range of policies to cover your Caravan.

If you would like a quote or more information you can contact us by telephone on 01457-869153, via e-mail or via our contact page