advertise your website Login Registration
 
 
 
Submission Guidelines Recent Approved Articles Featured Articles
Submit Free Article
Home About Us Advertising GuideLines Do's & Don't T & C FAQ Contact us
  Home Finance Articles
 
HostJinni Promotions
Articles Category
Arts & Entertainment
Automotive
Business
Cancer
Careers
Communications
Computers & Technology
Finance
Food & Drink
Gaming
Health & Fitness
Home & Family
Home Based Business
Home Improvement
Insurance
Just for Women
Kids & Teens
Legal
News & Society
Online Business
Online Tickets
Pets
Real Estate
Reference and Education
Relationships
Self Improvement
Shopping
Sports & Recreation
Travel & Tourism
Writing
  Member Area
Author Login
Free Registration
Authors From Country
 
  Helpful Topics
How to Write Articles
Free Early Approval Tips
Why Article Submission
 
  Best of Webzine
Leader Board
Most Viewed Articles
Top Rated Articles
Archive
  WebZine Status
Total Articles -22603
Registered Authors - 3969
Featured Articles - 340
Articles added this
month - 389
 

The Contents Of Your Policy

    -    

Home insurance is a composite form of insurance that includes two different policies. One of these is contents insurance which covers all of your possessions, and the other is buildings insurance which covers the fabric of your property. Insurance exists to protect you financially in the event of the unexpected, but which events fall under which policy, if any?


In recent years the British weather has become one of the insurance industry’s major concern. Severe flooding in 2007 and harsh unseasonal weather has led to insurers being forced to pay out many more policies than they thought.


The ABI has negotiated a deal with the government that sees insurance assured for houses in certain high risk areas, but these policies are still more expensive. All buildings insurance policies will cover for damage caused to the structure of your property and to any fitted elements such as kitchens and bathroom. Most, if not all, policies will cover for storms and high winds and if yours doesn’t then you should probably talk to your insurance provider. Any claim for damage to the fabric of your property should fall under the buildings insurance policy.


All insurance policies will cover you for damage caused by freezing water. If you suffer a cracked pipe, or water escapes from a burst pipe you will be covered for the cost of the damage and the repair of the pipe. This falls mostly under buildings insurance, but should your possessions be damaged you may claim under your contents insurance. Bear in mind that if you suffer damage as a result of a build up of wear and tear your claim may not be paid.


Almost all policies will cover you should something fall from your property onto a neighbor’s property and cause damage. Many policies will also have a clause that pays for alternative accommodation for that neighbor if the damage is particularly severe.


This will be claimed from your buildings insurance policy. The hard and fast rule is that anything that you would take with you were you to move house falls under the contents insurance banner and therefore claims on damage to these items will be paid from that policy Unfortunately, this doesn’t apply for everything you would take with you.


Many people take garden furnishings with them when they move house and it’s unlikely that your insurance company will pay for damage to such items. You can, however, negotiate a separate policy for garden furnishings if you wish to, but it may be better value for money to simply replace the items when they get damaged.

 
Like this article..? Rate it here:  Votes | Average: 1 out of 5  Votes | Average: 2 out of 5  Votes | Average: 3 out of 5  Votes | Average: 4 out of 5  Votes | Average: 5 out of 5     1 votes, average: 1 out of 5    
About Author
   
Articles Stats
  Published Date - June 15 2009
  Total Views - 715
  Total Votes - 1
  Average Rating - 1
  Comments - 0
  Mr. Chris Kouton
Discover how we’ve made our home insurance simple at The Co-Operative Insurance.
 
Particular Article
 
Author Article
  • Tips for cost efficiency - Starting up
  • [2010-08-03 ]
    Cost Savings is very important for enhancing Profitability and could be achieved by plugging various leakages in your cost structure while delivering significant results to your bottom-line, without having to implement any cost reduction measures. Read More...
  • Law Firms Offering Pre Settlement Funding
  • [2010-06-01 ]
    Law firms offer pre settlement funding not only because they know they can financially and economically but also because it is the right thing to do. Read More...
  • Online Stock Trading in India
  • [2010-05-26 ]
    Online Stock Trading in India has been on a rise thanks to the growing users of the internet and the involvement of young, urban population in the Indian Stock Markets Read More...
  • How To Find The Best Possible Used Car Loan Rates Online
  • [2010-05-18 ]
    Before you got out shopping for a used car, it is always in your best interests that you begin by figuring out exactly how much you are capable of affording on it. Read More...
  • Alternative Home Options
  • [2009-06-17 ]
    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. Read More...
  • Dealing With the Threat of Theft
  • [2009-06-16 ]
    One of the purposes of a home insurance policy is to protect you against any losses you may suffer due to theft. Read More...
  • Debt Free Financial Hardship Program Flourishes Across America
  • [2009-06-15 ]
    The Financial Hardship Program was created to assist the general public in becoming debt free, as credit tightened in 2008. Read More...
  • The Contents of Your Policy
  • [2009-06-15 ]
    Home insurance is a composite form of insurance that includes two different policies. Read More...
  • Living in High Risk Areas
  • [2009-06-15 ]
    Whilst there are many things that you can do to reduce the cost of your overall home insurance Read More...
  • Feel the Fear of Being a Losing Trader
  • [2008-07-10 ]
    Once you feel the fear of being a losing trader, you never want to go back there. Read More...
  • Investing In Mutual Funds- A Safe Approach
  • [2008-01-03 ]
    Investing in mutual funds is like accumulating a pool of money which is collected form many investors and is then invested by an asset management company. Read More...
  • Personal finance magazine
  • [2008-01-02 ]
    The most essential mission or aim of any personal finance magazine is to help you manage your finances. Most of these personal magazines offer information on different issues of financial aspects. Read More...
  • Facts about Education Study Loan
  • [2007-11-11 ]
    Article is talking about the educational loan process and how does this work. Students looking for education loan or finance facilities, might read this article which should be quite helpful for them. Read More...
     
     
      Submit Articles - Free Articles - Online Articles Submission  
      WebZine Articles (webzinearticles.com) is a registered trademark. All Rights Reserved. 2012