Home Insurance

For buildings you need to ensure that the cost of rebuilding your home (including extensions, private garages and permanent fixtures and fittings domestic outbuildings, patios, walls, gates, fences, paths, drives, terraces, swimming pools and service tanks) plus 12.5% to cover professional fees such as architects and surveyors is covered by the limit under the Policy.

Contents insured (including furniture,personal possessions, domesticappliances, TV, audio, computer, leisure and gardening equipment, ornaments, kitchen utensils, aerials and satellite dishes) should be calculated at the full current replacement cost as new, apart from clothing and linen, which are insured for their value after wear and tear .Ensure the policy limits are adequate to cover this.

High Risk Items are covered while in your home and should be included in your overall contents Sum Insured and defined as furs, jewellery, watches, clocks, portable musical instruments, pictures, works of art, curios, objets d’art, sculptures, carvings, paintings, articles made of or containing preciousstones or metals. Collections of stamps, coins, medals or banknotes, CDs, DVDs and pre-recorded tapes.

Personal Possessions are luggage, Clothing, sports, musical and photographic material and other items normally worn or carried about the person.

Click here for tools to help calculate your contents and buildings sums insured.