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Pay a Little More to Get a Lot More Home Insurance Cover

29th Jan 2014

We all do our best to get the best deal we can on everything we buy these days – and insurance is no exception. But there are some options on home insurance where you can choose to pay a small amount more per month in order to get a lot more cover overall.

It’s so easy to get new insurance quotes online today, especially if you use a site like igo4 so you only have to input your details once in order to get a range of different insurance products. When you look for new home insurance quotes, you’ll see that some insurers include the following options in the initial quote offered, but you can always opt to take them off the insurance policy so that you reduce the total price. However, it’s worth considering what you might lose in terms of coverage first.

Home emergency

This is the cover you wish you had when you have a boiler or a furnace breakdown in the middle of winter and you have to dial in professionals from king heating (or a similar firm) on an immediate basis. The home emergency cover tends to pay for the tradesman who comes and assesses the damage on your request.

The cover will likely also provide a replacement appliance in case the existing one can’t be repaired, giving you complete relief. Thus, it makes sense to have home insurance that covers such uninvited emergencies. When you are backed by a substantial amount of coverage, you wouldn’t hesitate to hire the services of Sandri Energy or another company like that.

Accidental damage

This is always a handy one to have if you have toddlers or older children in the house who tend to get into everything that they aren’t supposed to. Nutella sandwiches in the DVD player, or a smartphone dropped into the fish tank? With a lock, you can keep these hazardous items away from little hands. It’s also a great way to keep your valuables safe and secure.

In case you don’t want to deal with this extra worry of locking everything up, accidental damage can come to your rescue. It is for those little accidents caused by members of the household that result in costly damage. It can help cover the repair or replacement of items that have been damaged through no fault of your own.

Personal possessions

You may not be aware that most contents’ insurance only covers items while they are in your home. So, if you lose your video camera while you’re out, your contents insurance won’t cover it unless you have opted to have personal possessions cover added to your policy. With this, anything you lose while out and about will be covered too.

Deciding whether to have these extras on a home insurance policy is down to individual choice. Only you know what your realistic risk is, and of course, you also have to weigh up when it’s worth putting in a claim or not, as each claim will also affect the next year’s premiums.

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