A home and contents insurance policy may cost much less than you may think, and the premium you pay will depend on several factors. These include the size of your property, the level of cover that you need and the amount of cover that you will need to take out. You may also choose to pay for extra cover, which will have an additional cost. For example:
- Accidental damage cover: This will provide cover in the event that an accident causes damage to one of your belongings, for example dropping a laptop or spilling a glass of red wine on your rug.
- Alternative accommodation cover: If your home is made uninhabitable due to an insured event, such as a fire, storm or flood, or it loses heating or electricity, this will cover the reasonable costs for emergency accommodation.
- Bicycle cover: If your home insurance policy doesn’t cover bicycles as standard, this will cover theft and damage, and you may also choose to pay extra to cover you away from home too.
- Cover away from home: This will provide cover if you take any of your possessions away from home.
- Home emergency cover: In the event that there is an electrical failure to your home, your boiler breaks down or a drain gets blocked, this will provide cover.
- Legal protection: If a claim is made against you, this would provide cover for your legal costs.
In addition, it’s also important to note that if your property is a listed building, it may be more expensive to insure due to the special materials and craftsmanship that could be needed to make any repairs.
At HISL Brokers Limited we understand that cost is important to you, but it is crucial to ensure that you are properly protected. With that in mind, we will take the time to understand your specific needs and recommend the amount of cover that is best suited to you.