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Alternative Home Options

    -    

The house price bubble has resoundingly popped, in fact you would have to have been living under a rock for the last year or so to not realise that house prices are finally falling.


Unfortunately, this is happening in line with the biggest economic crisis of the last fifty years and that means that banks and lenders are expecting higher deposits from people wishing to buy homes. Meeting these higher demands is impossible for many people and buying a home is not an option. An alternative option is renting.


Whilst renting is the norm on the continent, it has often been considered as a poor relation to buying in Britain, this is despite many housing experts and indeed several famous property developers choosing to live in rented accommodation despite having the financial capacity to buy. Renting a house is a very simple process, but getting insurance may be a little more difficult.


Most landlords will have their own buildings insurance that will cover the fabric of the house, but that doesnít give you any protection if your house is broken into and some of your possessions are stolen. One of the problems can be that unlike when you own your own home you are not solely responsible for the security of the house.


If you are sharing your accommodation with other people, them leaving a window open or the door unlocked can result in your suffering a theft. Getting a specific tenantís insurance is a way around this as it insures only your possessions in your room. Some might think that because you canít control the security of your house in shared accommodation tenantís insurance would be quite expensive but it doesnít have to be.


Unlike home insurance policies where you combine buildings and contents insurance, you only have to worry about your own possessions as the landlords insurance should cover all the expensive major fittings.


You can further reduce the cost of your insurance by getting particularly expensive items insured independently. Firstly, having something obviously valuable on your policy can raise the cost of the whole policy because it will draw the attention of someone wishing to perpetrate a crime.


Secondly, if you have an expensive item that is stolen it will then have a knock-on effect on the premium costs on all your possessions, not just that one item. Having separate policies may appear to cost more, but they probably wonít do by all that much and will be cheaper in the long run. One thing that you should keep in mind is the level of cover you get for items when theyíre away from your rented accommodation.


Some insurers may offer cover within the UK or EU for a specific period of time within your insurance policy, but it is best to check and adjust your policy according to your needs. Insurance doesnít have to be expensive if you shop around for a good deal and know what youíre looking for. Take a look at Co-Operative Finance for a good deal at the moment.

 
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Articles Stats
  Published Date - June 17 2009
  Total Views - 973
  Total Votes - 2
  Average Rating - 2
  Comments - 0
  Mr. Chris Kouton
Get a home insurance quote online at The Co-Operative Insurance.
 
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