You probably already know, your excess is the portion you have to pay first. Afterwards, your insurer stumps up the rest of the cash.
Depending on where you live, the difference between buying a house and building one can be enormous.
Insure the total value of your contents. That way everything is 100% insured.
Many insurers insist you list these items separately (usually anything between £750 and £2000). If you haven’t done this, they might not be covered.
Are there any tall trees within falling distance of your property? Is your property in an area that’s likely to flood?
Make sure you can leave your home long enough to enjoy yourself.
There’s no point hiding details from your insurer. If you do, you could be paying good money for zero protection.
If you work from home, anything in your office could be considered “business-related.”
While they’re terrific for getting lower quotes and haggling down your provider, they have weaknesses too.