North Leeds Plumbing & Heating – Home Improvement and DIY Advice

You need home insurance to protect your house and its contents. Having buildings insurance in place is a condition of taking out a mortgage, but house contents insurance is up to you. However, you should remember that it is always best to pre-empt unpleasant eventualities by having both in place.

House contents insurance will protect you from the financial consequences of a burglary, but also against accidental damage to your possessions, such as a power cut destroying your freezer contents. Bear in mind that if you’re away from the property for a lengthy period of time the policy may be invalidated and that some costly items may need their own separate insurance. This may apply to valuable antiques or paintings.

New-for-old house contents insurance replaces any lost or damaged items with their brand new equivalents, but you can choose the cheaper indemnity insurance if you wish. This will replace possessions with those of the same age rather than new ones. Most people tend to opt for a new-for-old type policy.

Travel insurance is usually needed to cover possessions you take on holiday with you, although items you regularly take out of the house, such as bags and cameras, are usually covered by the home contents insurance.

Buildings insurance protects the bricks and mortar of your property against such disastrous eventualities as fire and subsidence and is compulsory when you take out a mortgage. Buildings insurance is linked to the cost of rebuilding your house should it be severely damaged or completely destroyed.

Compare home insurance quotes to see what is on offer and find the policy that is suitable for your individual needs.