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www.homeinusrancequotesfinder.com provides individuals and families with a quotes estimator. We help homeowners and renters find low home insurance rates.
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What does home insurance cover? House insurance covers the following • Buildings insurance – damage to buildings; • Contents insurance - damage to contents; • All-risks cover – loss or damage to valuables; • Liability insurance – injury to others in or around your home, damage to other people’s property.
What is usually covered by buildings insurance? • Damage caused by: • Fire, explosion, lightning or earthquake; • Flooding, storm and subsidence, with some restrictions; • Riot, vandalism, or other violent acts; • Burglary or attempted burglary that results in property damage; • Water or oil escaping from a fixed appliance such as a water tank; • Vehicles, animals, etc, damaging buildings, walls, fences, etc; • Falling trees and branches.
What is usually covered? • Loss or damage to items on a “new for old” basis. • Accidental damage to household equipment – may be a higher premium. • Loss or damage to items you temporarily remove from the house – does not include glass or fragile items. • Food that has spoiled in the freezer or fridge due to break down or power cut. • Cash stolen from your home, up to a limit.
How to make a claim • Contact your insurer or broker as soon as possible. • Give brief details of incident and request a claim form. • You will be told what to do next.
