House Insurance - Safe as houses
Buying a house is probably the biggest financial commitment you will ever invest in, so it is paramount you protect it and take out adequate house insurance. You simply cannot afford to fail to protect your home and its contents.
Some of the things you should ensure you have house insurance for are:
- The weather – floods and storms
- Fire
- Subsidence
- Burglary
- Legal liabilities
Your home and possessions are probably one of the biggest things you could protect, and it is always better to be safe than sorry.
Reducing the cost of house insurance
Although there are things in life we cannot control, there are things you can do to help protect your home, reduce the risk and therefore reduce the cost of your house insurance. The more you can reduce the risks your house faces, the better.
Fire:
- Fit a smoke alarm
Crime
- Fit approved locks to doors and windows (In high crime rate areas, insurers will ask you to have a certain level of security installed before offering cover)
- Fit an intruder alarm. These can reduce your house insurance premium by anything from 5 to 15%.
- If you leave a property empty in the day, or night, this can increase your premium. It's better to have somebody home.
Flood
If your home is particularly vulnerable to flooding there are still steps you can take to ensure house insurance is available. You can replace timber floors with concrete and tiles, or chipboard bathroom and kitchens with plastic. Water resistant materials are clearly preferable, such as lime plaster. Ensure your plugs are above the predicted flood level.
Competitive
There are countless offers of house insurance out there and you should shop around to find the best one for you. Remember getting the cheapest one out there isn't always the most cost effective, especially if you are the victim of a fire, flooding or crime. Terms and conditions vary from policy to policy, so you should always take a serious look at the risks you want to protect against.
You should speak to a professional broker authorised and regulated by the Financial Services Authority for advice to help you assess the right house insurance for you.
T & R Direct specialises in the provision of insurance needs and are authorised and regulated by the Financial Services Authority. You can contact T & R Direct by visiting our web site and filling in our on-line contact form at www.trdirect.co.uk. Alternatively telephone 0845 67 300 80 or email: enquiries@trdirect.co.uk.
Customer satisfaction and value for money are the driving forces behind T & R Direct and we pride ourselves on providing a quick, efficient and hassle-free service. See how you could save up to 42% on house insurance. Contact us now.
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