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Use this list!- Buildings insurance
- Look at the specified amount or limit for buildings cover protection.
- How much will it cost to rebuild your home? Not just the resale value as this may differ wildly.
- Does the policy cover accommodation for you, should your home become uninhabitable?
- Does it cover outside buildings?
- If you are in a high-risk flood area, are you covered?
- In addition to the overall structure of your property, what permanent fixtures and fittings are covered, if any?
- Do you live in a high crime area?
- What about the style of your house? Do you have any unusual features? Or is your property a listed building?
- Contents insurance
- Look at the specified amount or limit of contents cover protection.
- Have you got everything valued accurately?
- Are your antiques or valuables covered, or do you need to take out separate cover for these? It may work out cheaper to get them insured separately with a specialist contents insurance provider.
- Do you have children or animals? It could be worth adding accidental damage to your policy
- Do you have any single items that need to ber
- Do you live in a high crime area?
- How far outside of your home are your items covered for?
- Does the policy cover your items when you are abroad?
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