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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.
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