If you are a homeowner, it is important that you are protecting your asset. If you are still paying off a mortgage the last thing you want is for your property to be involved in a fire or be severely damaged. Leaving you with a mortgage to pay and no home to live in.

• Home Insurance: Home insurance is a policy that covers your home dwelling. This means that you can make a claim if your home is damaged due to accidents, fire, or natural disasters. Each policy is different, and it is important that you read the details of your policy to see what is covered. For example, in some areas, damage due to flooding is not covered. Home insurance is there to keep you secure knowing that if something does happen, you are able to make a claim and receive financial relief to repair or rebuild.
• Contents Insurance: Not only do you need to think about your home and make sure you are covered for repairs if something goes wrong. You also need to consider your personal belongings that are within your home. Even if you do not think your belongings are valuable or have a high dollar value, you will be surprised. By having a contents insurance policy in place, you can make a claim and have the items replaced or receive an ash amount to the value that you have insured them for. When working out how much cover you need, you should be considering all items within your home (even the inexpensive ones). Because they may all need to be replaced. So, the cutlery in your drawer and the socks in your wardrobe should be added towards your valuation of contents.

Both home and contents insurance are there to support you if something happens and your home is unlivable, or your personal belongings are damaged and unusable. It gives you peace of mind that you will not be left with nothing if your home and contents perish. You may also be able to claim through your home insurance the costs of finding alternative accommodation if you are unable to live in your home.

If you are unsure on how to go about getting home and or contents insurance, give the team a call. We can assist with putting together the best policy for your situation and give you the peace of mind that you deserve.