Surely You’re Sure You’re Insured?

 

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What about an insurance policy?

Sure, the topic of insuring your home makes you want to run into the kitchen and stick your head in the oven. Oh, it’s boring. Still, the monotony of striking a deal doesn’t mean insurance should go unnoticed. Sadly, many homeowners don’t bother ensuring they are insured (stay with me) because they don’t see the point.

Damage to your property may only occur once in a blue moon, but you never know when one is around the corner. God damn you global warming! So, if you aren’t sure you insured, here are the must-haves for homeowners.

Homeowners Insurance

Duh, could it be any more obvious?! Well, the truth is no because lots of people don’t take out adequate cover. Just like they don’t think bad things will happen, they also don’t have the cash. Okay, paying for a policy which may never bear fruit seems like dead money. But, the simple fact is that an average family or homeowner can’t afford to pick up the bill. An insurance company might gladly take your money, but Trusted Choice says they’ll step in when the going gets bad. Considering homeowners insurance covers everything from public liability to shelter costs, it isn’t a waste.

Content Insurance

Aha! This one isn’t as obvious now, is it? Not to tell you what you’re thinking, but you’re thinking “why do I need content insurance? I have homeowners insurance.” Unfortunately, there are lots of people who fall foul to this trick. First thing’s first – they are not the same. Secondly, they overlap, but the cover isn’t comprehensive. So, although homeowners insurance protects against fire and theft, it doesn’t cover natural disasters. Say a storm hits and floods the house, the insurance company won’t put their hand in their pocket.

Contractors Insurance

The handymen and woman among the readership will love to get their hands dirty. Of course, there are only so many renovations a novice can complete without help. Step forward a contractor, salt of the earth. For a reasonable sum, a quality worker will finish the job promptly and add a fortune to the house price. What a gentleman/woman. Well, that is until they mess up and walk away with your money. Yep, you guessed it: neither content nor homeowners insurance covers contractor liability. If you’re looking to redecorate, it’s best to get specific with your coverage.

Car Insurance

Do you have a drive or garage? Do you park your vehicle outside the house? If so, the cost of your auto insurance will go down. But be careful because the details of the property depend on the insurance company keeping their word. If they find out you lied just a little, they will void the agreement. For example, saying the car is secure when it’s on a drive with no gate counts as misdirection. You need car insurance to drive, but your house will play a part in the cost.

Now you should be sure you are insured, surely?

What about an insurance policy?

Sure, the topic of insuring your home makes you want to run into the kitchen and stick your head in the oven. Oh, it’s boring. Still, the monotony of striking a deal doesn’t mean insurance should go unnoticed. Sadly, many homeowners don’t bother ensuring they are insured (stay with me) because they don’t see the point.

Damage to your property may only occur once in a blue moon, but you never know when one is around the corner. God damn you global warming! So, if you aren’t sure you insured, here are the must-haves for homeowners.

Homeowners Insurance

Duh, could it be any more obvious?! Well, the truth is no because lots of people don’t take out adequate cover. Just like they don’t think bad things will happen, they also don’t have the cash. Okay, paying for a policy which may never bear fruit seems like dead money. But, the simple fact is that an average family or homeowner can’t afford to pick up the bill. An insurance company might gladly take your money, but Trusted Choice says they’ll step in when the going gets bad. Considering homeowners insurance covers everything from public liability to shelter costs, it isn’t a waste.

Content Insurance

Aha! This one isn’t as obvious now, is it? Not to tell you what you’re thinking, but you’re thinking “why do I need content insurance? I have homeowners insurance.” Unfortunately, there are lots of people who fall foul to this trick. First thing’s first – they are not the same. Secondly, they overlap, but the cover isn’t comprehensive. So, although homeowners insurance protects against fire and theft, it doesn’t cover natural disasters. Say a storm hits and floods the house, the insurance company won’t put their hand in their pocket.

Contractors Insurance

The handymen and woman among the readership will love to get their hands dirty. Of course, there are only so many renovations a novice can complete without help. Step forward a contractor, salt of the earth. For a reasonable sum, a quality worker will finish the job promptly and add a fortune to the house price. What a gentleman/woman. Well, that is until they mess up and walk away with your money. Yep, you guessed it: neither content nor homeowners insurance covers contractor liability. If you’re looking to redecorate, it’s best to get specific with your coverage.

Car Insurance

Do you have a drive or garage? Do you park your vehicle outside the house? If so, the cost of your auto insurance will go down. But be careful because the details of the property depend on the insurance company keeping their word. If they find out you lied just a little, they will void the agreement. For example, saying the car is secure when it’s on a drive with no gate counts as misdirection. You need car insurance to drive, but your house will play a part in the cost.

Now you should be sure you are insured, surely?

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