Latest Designer Bathroom Ideas and How To Guides for your Home

House insurance consists of buildings insurance, which you must have in place and contents insurance, which is optional, but recommended. Buildings insurance protects your building’s structure against fire, flood and other damage and the amount that it will pay depends on the cost of repairing the damage or rebuilding your property. For this reason if you have added any extensions or converted the loft you must inform the insurer so that the level insurance can be adjusted. Buildings insurance often also covers fixed items such as baths and fitted kitchens, as well as garden sheds and garages.
 
Contents insurance covers the replacement of movable contents in the house, such as furniture, jewellery and appliances. Some of these may also be covered when you take them outside the home, although separate travel insurance might have to be arranged should you take them on holiday with you. Indemnity contents insurance is the cheapest form, with an item of the same age replacing the lost or damaged one. If you are prepared to pay extra, ‘new for old’ insurance will provide for replacement with brand new items.

To compare home insurance costs, it’s a good idea to visit an insurance cost comparison website. Bear in mind that the cost of premiums can vary considerably between insurers and that if you combine contents insurance with buildings insurance you can reduce the cost. Accepting a higher excess will also drive the premiums down. The excess is the amount you yourself pay as a part of any claim made on the policy.