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<\/a>Insure house contents<\/h2>
House insurance is designed to protect your most valuable asset \u2013 your house<\/p>\n<\/div><\/div><\/div>
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<\/div><\/li><\/ul>Previous<\/a>Next<\/a><\/div>1<\/a>2<\/a>3<\/a><\/div><\/div><\/div>\nHome Insurance<\/h3>
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\nYour house is probably going to be one of your most valuable assets, and you will
\nwant to look after it. There is always the risk that things outside of your control
\ncan happen, causing damage to your house and the contents inside of it. Damage to
\nyour house can involve huge financial losses, and be inconvenient and stressful while
\nyou sort it out.<\/p>\n<\/div><\/section><\/p><\/div>\nTypes of Cover<\/h3>
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\n\n\nAccidental Damage<\/div>\n\n\nProtects your property against a wide range of risks, anywhere in the country. This covers you for accidental damage to and loss of your property, as well as a range of other benefits, which vary from policy to policy.<\/p>\n\n<\/div>\n<\/div>\n<\/section>\n\n
Restricted Cover<\/div>\n\n\nPolicies which offer limited cover for named events such as flood, storm, fire, or theft. Premiums for restricted cover are usually lower than for accidental cover.<\/p>\n\n<\/div>\n<\/div>\n<\/section>\n\n
House Insurance<\/div>\n\n\nHouse insurance is designed to protect your most valuable asset \u2013 your house. There are three types of cover available:<\/p>\n
Total replacement (no sum insured)<\/strong>. This means that if your house is destroyed, the insurance company will rebuild the house and pay all the fees (ie. architect, site clearance fees) involved in the process. This type of insurance policy is usually only available for houses that are owner-occupied, in good condition or under a certain age.<\/p>\n
Fixed sum insured (replacement)<\/strong>. This means you and your insurance company agree on the sum insured, and the company will rebuild your house up to that limit if it is totally destroyed.<\/p>\n
Indemnity policies (present day value)<\/strong> This is what the house was worth just before a loss. It is roughly equivalent to the market value of the house (excluding the land).<\/p>\n\n<\/div>\n<\/div>\n<\/section>\n\n
Contents Insurance<\/div>\n\n\nContents insurance covers the contents of your home. Most contents policies have claims limits. Contents insurance covers the contents of your home:<\/p>\n
Household possessions
\nFurniture
\nClothes
\nAppliances
\nCarpets and curtains
\nMost contents policies have claims limits, especially for valuables, money, documents and collections. Different policies have different restrictions.<\/p>\nThere may also be conditions to the cover. You should check these with your insurance company.<\/p>\n
There are two types of cover available:
\n1.
\nReplacement policies<\/p>\nThis means that the insurance company will replace a lost or destroyed item with a new one or repair the item so it is as new. However there are some limits to this (ie. items over a certain age may not be replaced). Check the wording of your insurance policy.<\/p>\n
With replacement insurance, the item is usually repaired or replaced. If you want the cash, you can only get the indemnity value of the item.<\/p>\n
There is also an upper limit on what you can claim. This is specified in the insurance policy as the sum insured. Open-ended policies are available from some insurance companies.<\/p>\n
2.
\nIndemnity policies (present value)<\/p>\nAn indemnity policy puts you back in the same position you were in before the loss or damage occurred. The settlement is based on how much you would pay for the item second-hand.<\/p>\n
Helpful Tip:
\nIt is important to check in your policy what you are not covered for and what locations your cover applies to.<\/p>\n\n<\/div>\n<\/div>\n<\/section>\n\n<\/div>\n<\/p><\/div>\n<\/span><\/span><\/div>\nMost Recent Entries<\/h4>\n<\/div><\/section>\n
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