Does your home insurance cover your garden too?
What with the sun being out this summer (makes a change) us Brit's are rushing to all the garden centres for new and brilliant things to put into our gardens. It’s all down to the garden centre to waste loads of money on fancy new benches, BBQ’s and all the rest of it but with all that in mind have you forgotten about the home insurance as this is a very important thing to have especially during the summer months as you may find that some of your things are not covered to how you would like them to be so it is worth taking a good hard look to see just how good your insurance is.
The fact is that the garden is a major weak spot when it comes to home insurance as many of the things contained within the garden may not actually be included on the covered things. This is ever more important when going ouit and buying really expensive garden equipment as you certainly need to know if you are insured.
There but of course two main ways the home will come under cover. The two are buildings insurance and contents insurance and they are both put into place to cover two different parts of the home. The building part is put into place to cover the actual structure of the building itself. The content on the other hand protects you from general things like clothing, games, electrical items, furniture and all other personal belongings. It is also important to note that there also something else known as home emergency insurance that covers you in the case of a burst boiler, pests and other similar things.
Many insurance policies will not cover you for garden items so it is always good to check the fine print as garden benches, swings and other such things can be very expensive to buy. It is also important to check and see whether or not your buildings insurance will cover things like outside fencing, greenhouses and sheds as insurance companies will always try to find a way round paying out.
No need to pay for all those home repair costs
The only certainty that life brings is death and taxes. So when it comes to the home the last thing you expect to happen is for something to go wrong for absolutely no reason at all but of course it happens which is when home emergency insurance comes into the equation.
One of the worst thing that could possibly happen is that on a bank holiday a pipe bursts or even worse something seriously wrong goes wrong with the gas. How difficult and expensive would getting a plumber to come in actually be? With the world in the way it is at the moment how could it even be possible for a normal person to actually be able to afford to pay for these call out charges let alone the bill itself!
The fact is that a domestic boiler breaks down every 20 seconds in Britain costing over £64 million pounds in call-out charges.
A home emergency insurance plan could help you out in a number of ways:
•Have misplaced the keys (again) and have found yourself locked out
•The boiler's dead
• problems with plumbing, drains or mains service,
•Pest troubles
There are quite often many other benefits to this as well. If all hell breaks lose in the home and your house becomes somewhat uninhabitable because of something that has occurred then the cover will provide you with accommodation benefit.
The levels of cover range and it all depends on how much you are willing to spend but it is worth discussing what kind of insurance you will actually need. For example if you are never going to lock yourself out then do not get high insurance on it.
You cannot stop things like this from happening but you can however help save money when they do by taking out insurance and if this kind of insurance isn’t needed for you then why not try getting that important car insurance or if you are planning on going away why not take out travel insurance?
Look at the fine print of your home insurance
The summer seems to have finally got here and what with the sun making an appearance so far this year there is absolutly no reason why you cannot spend some time and money on the garden this year. It’s all down to the garden centre to waste loads of money on fancy new benches, BBQ’s and all the rest of it but with all that in mind have you forgotten about the home insurance as this is a very important thing to have especially during the summer months as you may find that some of your things are not covered to how you would like them to be so it is worth taking a good hard look to see just how good your insurance is.
The fact is that the garden is a major weak spot when it comes to home insurance as many of the things contained within the garden may not actually be included on the covered things. This is especially important when going out and buying expensive garden things as you need to know if you are insured or not.
There are as many of you will know two different ways the home comes under cover. The two are buildings insurance and contents insurance and they are both put into place to cover two different parts of the home. The building part of the dynamic duo is in place to protect the structure of the building from a fire for example.`. However the content protects you from general belongings such as clothing, jewellery, games, electrical items and furniture which can sometimes be more valuable than the house. It is also important to note that there also something else known as home emergency insurance that covers you in the case of a burst boiler, pests and other similar things.
There a few home insurance policies out there that will actually cover contents that are in the open like all the usual garden furniture and so on. It is also important to check and see whether or not your buildings insurance will cover things like outside fencing, greenhouses and sheds as insurance companies will always try to find a way round paying out.
Why not get rid of some home repair costs
The only thing certain to happen in life is life, death and not to forget the one everybody loves, taxes. So when it comes to the home the last thing you expect to happen is for something to go wrong for absolutely no reason at all but of course it happens which is when home emergency insurance comes into the equation.
The worst thing that could possibly happen is that on a bank holiday a pipe bursts or even worse something really bad happens with the gas pipes. How difficult and expensive would getting a plumber to come in actually be? As well as this what with the recession still in full power how on earth can anyone afford to pay for a huge call out charge bill let alone the bill for the damage!
omestic boiler breaks down every 20 seconds in Britain costing over £64 million pounds in call-out charges which is a huge figure.
Having this home emergency insurance plan could really help out when times are tough
•Have misplaced the keys (again) and have found yourself locked out
•The boiler has taken a turn for the worse
•Having problems with the plumbing
•Pest troubles
There are often many different benefits to this as well. If the worst comes to the worst and your house becomes somewhat uninhabitable because of something that has occurred then the cover will provide you with something that is known as accommodation benefit.
Wasting money is something that many people would like you to do but there are companies out there who have several levels of insuring so they can fit around you as well as being affordable. For example if you are never going to lock yourself out then do not get high insurance on it.
You cannot stop things like this from happening but you can however help save money when they do by taking out insurance and if this kind of insurance isn’t needed for you then why not try getting that important car insurance or if you are planning on going away why not take out travel insurance?