Home & Building Insurance Checklist
When it comes to protecting your home and its contents, you need to ensure that you have a comprehensive home and building insurance policy that protects you from the very worst eventualities that can affect your property.
Your policy should include everything you need to be financially protected if the worst comes to pass, and you do have to make a claim about an issue with your property. So what should be included in your home and building insurance checklist?
Storm and Flood Damage
If you live in a high-risk area or a flood plain, then you might not have cover for storm or flood damage on a standard policy to keep the initial premiums down. Or if you do have cover, the premiums might be high.
Another option you might have chosen in the past is to forego flood damage altogether because you’re not in a high-risk area. However, with flood risks becoming more and more common, even in traditionally low-risk areas, it’s worth having a level of cover on your home insurance policy which protects you from storm and flood damage to your building and the contents inside.
Liability Protection
Whilst you might think of home insurance as just something that protects the building and sometimes the contents inside, if you have homeowner’s insurance, it can protect a few more things, such as what happens inside the home. Liability cover can protect you from someone being insured in your property, such as a piece of the building providing a hazard which causes an injury.
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Don’t Be Underinsured
With house prices increasing in value at a continuous rate, your home insurance policy can quickly become underinsured. This means that the value of your home doesn’t match the level of cover on your insurance policy. So if there is damage to your home that needs repairing, your insurance might not be able to pay out the full amount you’ll need for fixes. By working with an insurance broker like [broker_name], you can ensure your policy is up-to-date and includes the right level of cover so that underinsurance doesn’t become an issue.
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Keep On Top of Maintenance
A typical home insurance policy won’t provide cover for general wear and tear such as scuffs, scratches and paint chipping, but it’s recommended that you keep on top of maintenance to ensure that any smaller issues are taken care of before they develop into bigger issues.
Having a maintenance plan can ensure you keep on top of things, and fixing minor problems before they become major ones can reduce the need to claim on your insurance policy, and ensure you can keep the premiums down for the unfortunate scenario where you do need to make a claim.
Whilst you can go directly to an insurance provider for your home insurance policy, it will typically be an ‘off-the-shelf’ policy which doesn’t take into account the unique nature of your home, and it could leave you with cover in areas you don’t require it, whilst also leaving you short and under-protected in others.
At [broker_name], we can work with you to create a home insurance policy that gives you the right level of cover protecting everything it needs to. If there are also unique considerations to take into account – such as its location, the weather in the area and things like being a self-build property – we can also factor this in when creating your policy.
