Help with choosing the right cover options for your home.
There are many different cover options available, in fact far too many to list. Some options even have many suboptions so speaking with your broker is always a great idea.
Your home contents will be covered upto an agreed amount should you make any purchases that raise this value inform your insurer as soon as possible to amend your cover.
Remember you only need to cover for the rebuild value not the purchase value of your property. As with all insurance there will be exclusions ask your assigned broker to explain these to you.
Your policy will include public liability and may also include one or all of the following: personal liability, tenants liability, liability to domestic staff and carers, property owners liability.
Should your family and pets not be able to stay in your home due to loss or damage the insurance will cover your excess costs within reason for alternative temporary accommodation.
Keys and Locks
Covers the replacement of keys and locks to doors, windows and alarm systems. Garages and outbuildings are often excluded please speak with your broker to ensure you are clear about what is covered and what is not.
This will cover upto a predetermined value the loss or damage to ornaments, equipment, plants, bushes, shrubs and trees whilst secured within the boundaries of your property.
If your identity is used without your knowledge or consent and your identity details have been used to illegally obtain goods or services you are covered. Always check your policy schedule to see if this has been provided or speak to your broker.
Should you have an emergency needing professional help such as a broken boiler or a burst pipe then this cover may prove invaluable. In some cases you may not need this cover inform your broker should you already have a separate policy that may cover you.
Family Legal Protection
Will cover the cost of legal representation should you require it. Different insurers may have different cover values, options and exclusions your broker will explain everything before you take out any insurance policy.