Double excess?

You probably already know, your excess is the portion you have to pay first. Afterwards, your insurer stumps up the rest of the cash.

Insure the rebuild

Depending on where you live, the difference between buying a house and building one can be enormous.

Is the total content value insured?

Insure the total value of your contents. That way everything is 100% insured.

List high value items seperately

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.

Check your surroundings

Are there any tall trees within falling distance of your property? Is your property in an area that’s likely to flood?

Can you leave?

Make sure you can leave your home long enough to enjoy yourself. 

Have you been transparent?

There’s no point hiding details from your insurer. If you do, you could be paying good money for zero protection.

What if you work from home?

If you work from home, anything in your office could be considered “business-related.”

Beware the comparison sites

While they’re terrific for getting lower quotes and haggling down your provider, they have weaknesses too.