| Our homes are easily the most precious and | | | | Building insurance also covers permanent |
| valuable commodities in our lives, but | | | | fixtures and fittings such as baths, toilets, |
| astonishingly a quarter of UK households have | | | | interior decorations, fitted kitchens etc. |
| no house insurance. With the potential threat | | | | |
| of burglary, fire or natural disasters, those | | | | Contents Insurance |
| without cover are risking serious financial | | | | |
| loss. | | | | This covers all the items of your house that |
| | | | is not considered to be a permanent fixture, |
| Buildings Insurance | | | | for example electronic goods, clothing, |
| | | | furniture, appliances etc. Most home contents |
| Your insurance policy should cover the funds | | | | insurance policies will even go as far as |
| needed to completely rebuild your home. This | | | | insuring the contents of your fridge freezer! |
| is to cover you in the event of your house | | | | |
| being totally destroyed or damaged to such a | | | | Home content insurance may also cover items |
| degree that a complete rebuild is required. | | | | that can be removed from your home, such as |
| | | | bicycles or prams. However, it's wise to |
| Your home insurance policy should also cover | | | | check your policy carefully and to never |
| you against damage caused by natural events, | | | | assume that certain items will be covered. |
| such as: | | | | |
| | | | An increasing amount of insurers cover garden |
| • Subsidence | | | | plants, so it's just a matter of treating |
| | | | your garden as an extra room in the house; |
| • Flood and storm damage | | | | just total up the value of plants and they |
| | | | will be covered under your policy. |
| • Burst pipes | | | | |
| | | | For cheap home insurance it's advisable to |
| • Vandalism | | | | shop around. There is a wide choice of price |
| | | | comparison sites available online to help you |
| • Fire, smoke and explosion damage | | | | get a good deal. |
| | | | |