Posts Tagged ‘garden’
Look at the fine print of your home insurance
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 garden is in fact a major weak spot when it comes to home insurance as the things contained within it may not be in your current insurance deal. This is ever more important when going ouit and buying really expensive garden equipment as you certainly need to know if you are insured.
Of course the home comes under cover in two different ways. The two are buildings insurance and contents insurance and they are both put into place to cover two major parts of the home. The building part is there to cover the actual structure of the building. However the content protects you from general belongings such as clothing, jewellery, games, electrical items and furniture. 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 are some home insurance policies that do go the bit further and actually cover you for things such as garden furniture and onaments. 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.