Each year when our renewal notices come through the post for our home contents insurance and/or home buildings insurance, most of us automatically sign the form and send it back to the insurance company – after all, we already know how much the premiums are going to be. Big financial mistake, and here are 4 reasons why:02539,02568,02535, 02562, 02537, 02553, 02540,
Did You Buy Anything New In The Last Year?
If you bought anything new in the last year, say a new television or video recorder, then the value of this new purchase will not be included in the renewal notice you just sent off to the insurance company. Likewise, if you sold anything of value over the last year, and have not informed the insurance company, then you are paying home contents insurance for something you no longer own. Either way, your not paying the right amount of insurance premiums.02631, 02633, 02650, 02659, 02669, 02643, 02653, 02662, 02642, 02651, 02663, 02667, 02652, 02666, 02657, 02554, 02564, 02573, 02575
Did The Costs Stay Static?
If you have home contents insurance then you are insuring your personal property for the replacement cost of buying the same thing new. On the other hand, part of your home buildings insurance should cover the cost of labour and materials. Now ask yourself, would the cost of replacing the picture hanging in your living room be the same today as it was last year? If the answer is that it would cost you more, tough luck, you’ll only get paid out what you said the cost of replacing it would be! The same can be said of your friendly builder, would he charge you the same for an hour of his time and for his materials today as he would have done last year? If the answer here is no, then you should be expecting to pay him the difference.02637, 02675, 02664, 02638, 02639, 02641, 02660, 02670, 02672, 02647, 02645, 02646, 02661, 02671,
Did The Value Of Your Home Stay The Same?
Similar to the above, with your home buildings insurance you need to be asking yourself whether or not the value of your home stayed the same this year as it was last year? You need to be asking yourself this question even if you didn’t do any work to the house – such as building an extension – that would naturally automatically add value to your home.02632, 02636, 02635, 02574, 02543, 02649, 02534, 02649, 02559, 02561, 02562, 02532, 02532, 02664,
Is Your House Any Safer Today?
Here the question is, have you done anything to your house over the last year that would mean your home would be considered safer today than last year? For example, did you add any deadlocks to your doors or windows? If so, then there’s a very good chance your home contents insurance premium would be reduced, as the security in your house is a major consideration in assessing your premium (along with the crime rate in your neighbourhood, so you may also want to check and see if this has gone up or down also).
Keep in mind that time stands still for no man. As such, you need to read your home contents insurance and/or home buildings insurance renewal notices very carefully to make sure that they reflect, as accurately as possible, your life today and not your life of yester-year.
Small events such as a damaged pipe or large events such as a hurricane can cause thousands of dollars of damage to a home. Unfortunately, the majority of homeowners do not carry flood insurance, and most insurance companies will not cover this type of damage. This means that many people are on their own to figure out how to clean up the damage.
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Flood Insurance is the only coverage that can cover flood damage. If you are unsure whether or not you are on a flood plain then please call the county planning office in your area. It is important to have flood insurance especially if on a flood plain.02539,02568,02535, 02562, 02537, 02553, 02540,
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The name of the policy that you are getting depends on the state that you are living in. If it so happens that the state you are living in is prone to flooding that the other states, then the chance of you getting cheaper plans is more likely.
On a more personal level, buyers need to think about location in terms of their own lives. Saving several thousand dollars on the purchase price of a home is small comfort if they have to drive an additional 60 minutes to work each day.02637, 02675, 02664, 02638, 02639, 02641, 02660, 02670, 02672, 02647, 02645, 02646, 02661, 02671, 02631, 02633, 02650, 02659, 02669, 02643, 02653, 02662, 02642, 02651, 02663, 02667,
When considering purchasing a home, take the time to check out the area to see if flooding is a major problem. You will be able to determine what size pump that is needed to handle the type of water problems that may be encountered. Investing in the proper type equipment to waterproof your home will save money as the years go by. Your valuables and memories will be able to last a lifetime as long as they are not exposed to water. 02652, 02666, 02657, 02554, 02564, 02573, 02575
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