Getting Your Home Insurance Right
How precise are you when it comes to numbers? Do you tend to 'guestimate' with your home insurance? The more precise you can be when calculating the value of the things you own, the more likely you are to get the right level of insurance cover for your needs.
Ensuring you have enough insurance cover is almost as important as having insurance in the first place. Under insurance can cause serious problems if you make a claim, as your insurance company may not pay out the full cost to replace lost, stolen or damaged items. When thinking about your home contents, get your sums right when adding up the value of all your possessions. Many more families now possess tablets, laptops, state-of-the-art phones and electronic gadgets. Spending time going from room to room itemising your possessions can help ensure you don't forget to include all your valuable items.
When it comes to buildings cover, many people stick with the rebuilding cost they started with when they first moved into their property. However, if you've had an extension built in the meantime, you will need to add this to your policy cover. If you don't you could be underinsured in the even of a claim and could have to make up the shortfall yourself.
As with all insurance policies, conditions and exclusions will apply
We can help you!
Your home may be repossessed if you do not keep up repayments on your mortgage
Simmonds Mortgage Services is an appointed representative of Stonebridge Mortgage Solutions Ltd and can source the most appropriate cover from its panel of insurers with a free review of you overall protection and insurance needs. As with all insurance policies, conditions and exclusions will apply.