When disaster strikes and a home is seriously damaged by an insured peril the dwelling may not be habitable until all the repairs have been completed. In the case of…
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INSURANCE SINCE 1919
Claims settlement
This post looks into how insurers might deal with a buildings and contents claim. The general purpose of a home insurance is to put the claimant back to the same…
Reasonable care condition
Home insurance policies include a reasonable care condition usually split into two parts. Firstly all reasonable steps must be taken to avoid or reduce the effects of accidents, loss or…
Policy documents
Home insurance like other classes of insurance, comes with numerous supporting documents. All essential reading to understand the scope of the cover provided. This post looks at the main documents…
Definition of valuables
Under home contents insurances valuables are usually defined as jewellery, watches, gold, silver, precious metals, gemstones, furs, pictures, curios and other works of art, stamp, coin and medal collections, televisions,…
Home insurance index linking
Insurers index link sums insured to keep pace with rising costs. Although policyholders only see their sums insured increase when the renewal documents are issued, most policies are index linked…
Home insurance contents temporarily removed
Often included under contents insurance. Usually up to 15% of the contents sum insured for loss of or damage to the contents whilst temporarily removed from your home, but within…
Liability insurance when sharing your home with lodgers
Having had experience of sharing a home with lodgers I know that it is generally beneficial, both financially and in terms of company. On a practical note it is important…
Home insurance security requirements
Some policies may have security requirements applied by the insurer, especially homes in London and other big city postcodes. Home insurances with large contents sums insured or where there has…
Home insurance storm damage or maintenance
Home insurances usually include storm damage as a standard peril, on the basis that the policyholder can pinpoint the date when the damage occurred, so the insurer can check with…