Tips for getting the right home insurance

Tips for getting the right home insurance

Home insurance is obviously very important, but do you know exactly what you need your policy to cover? Also, do you know the difference between construction insurance and content insurance? Should I get a policy that combines both or need to compare prices? The more you know about insurance and exactly what you need, the less likely you are to make the wrong purchase decisions.

Compare your options

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When you have an extensive list of things to do, it can be attractive to simply have tasks marked as quickly as possible. Of course, it is rarely the best course of action. Take your time and research the home insurance options that best suit your circumstances. Compare different offers and deals, evaluate the cost and then make an informed decision. Remember, home insurance is there to protect you, so be sure to choose a policy that covers it properly.

Always expect the unexpected

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Insurance is designed to help you in case your home is stolen or if something goes wrong, but remember that unexpected events can always occur. Does your policy cover fires, floods or lightning that falls in your chimney? Read and digest the A&B, and don’t rule out “acts of God” simply because they occur rarely.

Understand how to file a claim

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We hope you never have to make a claim about your home insurance. In the best case, everything is going well and you live in harmony, but it makes sense to understand how to make a claim in case the situation arises. Read the fine print, and also take the time to talk with your insurance provider. Ask them about the claim process as soon as you have decided on the policy you are going to follow and be very clear in your mind about what is required. As we said before, the best case scenario is that you will never have to do it, but you will not lose anything by being fully informed.

Nellie Giorgi

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