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First-time buyers will feel a mix of excitement, anticipation and anxiety when purchasing their first home. This is one of the biggest investments they’ll ever make, so it’s understandable.
However, to get your home insurance prepared early is to ease the burden of anxiety, replacing it with relief and security.
Think, if you were stranded on a desert island, what would you have in your survival kit? Scissors, bandages, a utility knife? These are essential for survival.
Home insurance possesses useful tools like these, metaphorically speaking, that can all help to make a positive difference in your life.
Home protection may not be the most thrilling of topics, but it’s true value becomes clear when called upon. It’s not just a product to buy, it’s a critical safety net that can save you unfolded amounts of money, keeping things hassle-free.
Some of the basic, but necessary, tools you should utilise include:
This can cover various events, such as theft, subsidence, fire, flooding, storm damage, and escape of water. The structure of the walls and the property itself will be protected under buildings insurance, as well.
Contents insurance is the cover you can use to prevent loss of money when your possessions are damaged, stolen or destroyed. Contents can range from electronics, furniture, clothing and other valuables within your home.
Picture it like this! If you tipped your home upside-down and let everything fall out, the items that fell out would be classed as contents. Anything fixed to the property, like walls, fixed appliances and bathroom features are considered as part of the building.
Some crucial add-ons that can act as your life raft include:
RebuildCostAssessment findings revealed 82% of the UK homeowner population are underinsured. Underinsurance means a policyholder isn’t completely covered for what they’re paying for, whereas overinsurance means a policyholder has too much cover that they don’t need.
Investing in reliable security systems, such as smart locks, alarms and cameras can reduce burglary risks and therefore, the likelihood of losing money or valuables.
Visible cameras and lights can deter intruders from setting foot on your property altogether. The prospect of trying to break into a house with visible security systems is much worse than a property with nothing at all.
Regularly inspect areas like the roof, plumbing, and electrical systems to catch problems before they escalate.
During autumn, especially, this can make a significant difference. Read our autumnal guide here to best prepare for the colder months!
We also recommend creating a maintenance schedule to stay on top of seasonal tasks that protect your home and the contents within throughout the year.
Just like a survival kit, you need to ensure all your tools are working properly and ready for use.
Before your insurance renews, have a look through your policy to make sure your details are still suitable for your needs.
Updating your policy keeps your insurance accurate and ensures you’re ready in the event of a claim. You can’t use a life raft with holes in it!
Stay afloat! To see more about keeping your insurance policy accurate before renewal, you can read our exclusive article from our Renewal Manager, James, here.
We’re here to help! Should you need further assistance with protecting your home, give us a call on 02920 265 265. One of our team will be more than happy to help!
*Sandison, E. (2023) Rebuild cost gap still widening, with social care at risk – November 2023, RebuildCostAssessment.com. Available at: https://www.rebuildcostassessment.com/post/rebuild-cost-gap-still-widening-with-social-care-at-risk (Accessed 26 March 2024).
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