1) Your home should be insured for the reinstatement value and not the market value.

2) The building value should reflect the cost of the house itself (including any built in kitchens/wardrobes or other structural extras) the garage, garden shed, fuel store and boundary walls.

3) If you need an item covered OUTSIDE of the house (e.g.Jewellery, Sports Equipment etc), you need All Risks cover in addition to normal Contents cover.   This can be specified (for higher value items) or unspecified (covers miscellaneous personal property up to a stated single article limit).  We can advise you on which is most appropriate depending on the items you’d like to cover.

4) If you have any particularly valuable items within your contents, which do not leave the house, you should also mention these on the proposal form.  As a general guideline the value of such items should not exceed one third of your total contents sum insured, unless specially agreed.

5) Discounts are available on the cost of your insurance for Burglar Alarms, Smoke Alarms, Neighbourhood Watch area and also if you are over a certain age (45 or 50 years depending on the Insurer).

6) In some circumstances you can avail of an additional discount if both your House and Car Insurance are with the same underwriter. 

7) If your property becomes unoccupied please advise us immediately, as this will affect your cover. Also if the type of occupancy has changed in any way, you need to notify us of the changes, e.g. any business use, different type of tenants, etc.