This is the kind of insurance that you need to have after you have completed your house and are moving in and covers you against a loss to your building and contents.
Some of the benefits include:
Accidental damage cover on buildings & contents
24 hour emergency and claims help lines
Unlimited freezer contents
Fire Brigade charges up to a limit
Increase in the contents sum insured for weddings and Christmas
New for old cover
Unspecified all risks
Personal money
Credit cards
Door lock replacement
Contents in the garden
and Many more.....
It is always a good idea to make sure that you start the cover before you move in and as soon as the keys have been handed over to you.
Do remember that your house is the biggest investment that you probably make in your life and you need to make sure that at all time it is protected and covered with appropriate insurance.
Never under insure as this could cause a problem should you need to make a claim. Always try and over insure by at least 10% as this should cover you incase of inflation.
You can buy general insurance in many different ways including direct from an insurance company, from an independent intermediary, or online, but always shop around and go with a reputable company.
Please note: It is very important that you make sure the policy has accidental damage included and the excess is not too high. The excess is the amount that the policyholder has to pay for every claim. This would be deducted from the total amount being paid by the insurance company.
