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How to avoid a Home Insurance Horror Show

In this two-minute read we look at how you can avoid scary problems with your home and buildings insurance. AND the essential items people regularly forget to cover.

It’s scare season again and few things are more chilling than discovering your home isn’t correctly insured.

Buildings and contents insurance is like an umbrella in a downpour – you only realise its value when the rain is lashing down.

It can sometimes feel that insurance companies are trying to trick you with some of the questions they ask.

This Halloween we’ve treated you to these top tips which will help you and your loved ones steer clear of a dreaded insurance nightmare on your street.

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Treat: Be aware of the difference between buildings and contents insurance. A common mistake people make is only insuring their contents thinking the building is covered and vice versa. Buildings insurance generally covers structural and fixtures and fittings.

Trick: Don’t undervalue your contents. It’s a mistake to undervalue your home’s contents thinking that you will save a few quid on the monthly/annual premiums you’ll pay. If you must make a claim this short-sighted approach can leave you seriously out of pocket.

Treat: Combined Buildings and Home insurance can often (but not always) be cheaper when bought together, so it’s worth looking into this when you are purchasing a policy.

Trick: If you run your business from home you need to let your insurers know. You may need a different type of cover if this is the case.

Treat: The golden rule to avoid any insurance claim calamities is to be as upfront and honest as possible from the outset.

Trick: When it comes to very high-value items (artwork, family heirlooms etc) it’s worth remembering these can seriously push up your premiums when included with the rest of your home’s contents. Consider looking into covering these separately with a specialist insurer.

Treat: What can be more scream-inducing than discovering all your downloaded films and music have been lost? Not all policies cover your downloaded music and movies so check this out when looking at different policies. This is THE most overlooked aspect of home insurance in the digital age.

2810 SkeletonsTrick: And finally, the scariest of all spine-tingling insurance nightmares is forgetting to renew cover. So, think ahead – when you buy a new policy set yourself a diary reminder two weeks before it ends because it pays to shop around for cover.

You don’t want to live with FOFS (Fear of Forgetting Stuff) lurking in the deepest, darkest corners of your mind.
And if any landlords are reading this it’s vital you check you have the correct insurances in place.

We’d be happy to have a chat with you about what kind of policies you need.

Thanks for reading and wishing you a happy Halloween!

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Be in for Xmas – New Homes in Chulmleigh

Ladywell Meadows is beautifully located on the outskirts of Chulmleigh, offering a superb NEW range of two, three and four bedroom homes with a mix of detached, semi-detached and terraced freehold houses for sale.   If you can move in before Christmas Devonshire Homes will include a contribution towards stamp duty, £500 towards legal fees, flooring, and a £1000 high street voucher – what a Christmas present that would be!

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Chulmleigh itself is a small town with an impressive range of shops / facilities: a bakery, butchers, deli/café, newsagents with post office, 2 pubs serving food, a bistro, tandoori restaurant, a primary school, Chulmleigh Community College, which ranks highly in the GCSE league tables, a health centre, dentist, library, golf course, two churches, a sports club and more.

Each home is superbly finished to a high standard with modern bathrooms and kitchens, and are a great example of new build brilliance on offer in Devon.

Why not come along and visit our marketing suite and SHOW HOME WHICH IS NOW OFFERED FOR SALE (stop press: it’s gone sale agreed, but you can still have a look around and others too) and set your housing plans in motion.  These houses are under construction, and are selling well, so hurry and benefit from the full range of choices available. The Government Help-to-Buy Scheme and our successful DevonshireMove Scheme are applicable for these properties (subject to terms and conditions). The 3 bedroom Marshall style Show Home is open daily, 10am to 5pm or call us on 01363 777999 if you’d like to chat about the development or any other property related matter!

 

Got a question? I’d love to hear from you!

Rob Cropped

 

 

 

 

 

 

 

 

Rob Stoyle (partner)
Helmores
[email protected]