Ten Tips for buying Home and Contents Insurance

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Author: Catriona Singfield

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Making A Claim On Contents Insurance
If you damage something at home, you may wish to claim through your home contents insurance policy. We have put together a number of tips to ensure your claim is processed smoothly.
Making A Claim On Contents Insurance
If you damage something at home, you may wish to claim through your home contents insurance policy. We have put together a number of tips to ensure your claim is processed smoothly.
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Everyone knows that they need to have insurance for their home, contents, cars ,even holidays.In todays fast paced, high tech world it is important to make sure we, as consumers, also have sufficent insurance cover to replace all of the downloaded information we have.
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25% of us have suffered theft from our gardens and outbuildings. Thats up to 5,000 people a day. And to make matters worse, this number is set to rise as the garden and landscape business takes off. As ( mortgages ) a nation of plant lovers, Britons spend nearly £4 billion annually on products for the garden, according to statistics gathered by the Horticultural Trades Association. Its no wonder thieves see golden opportunities among the flowers! (best loan)

And yet, according to a survey conducted by top insurers Churchill, 38% of us dont take whats on the outside of our homes into account. Garden security is not a priority, despite the high cost of the equipment we often leave outside - lawnmowers, patio heaters, gas barbecues - all rather obvious and tempting targets. But ( medical insurance ) what of the plants themselves? Thieves have not been slow to take advantage, as Mrs J P from Glamorgan was shocked to find out. She glanced out of her window to see a man "dashing up the street clutching one of our plants". Sadly this is not an isolated incident: 18,000 similar thefts were reported last year, with the most common item on the thieves list being the household favourite, the hanging basket.

The average shed contains £1,300 in tools, toys and sports gear, with only a padlock ( unsecured loans ) between it and the opportunist with a break-in on the mind. It isnt much to guard all that gear - imagine leaving the TV or your DVD collection outside. Would you expect it to be there in the morning? (home insurance)

But you may think that you can relax; after all, your insurance covers ( personal loans ) your garden and shed - or does it? Not all policies include items left outside, and Home and Contents usually only includes things secured in a locked outbuilding or shed. (mortgage deals)

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