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Post Office® Home Insurance automatically increases contents cover by 10% over the Christmas period. You can make it more difficult by lighting up and switching on the radio and TV. Two thirds (64%) of people will use some form of security lighting - with burglar alarms proving popular with half the population. This is a savvy move which not only provides an effective burglar deterrent but can also help save cash on home insurance - some providers, including Post Office®, offer lower premiums on homes protected by a burglar alarm system. Security lights which use infrared sensors to switch on and off when movement is detected are recommended. buildings insurance home insurance house insurance Read more...

Shop around for home insurance
"Changes to the law six years ago prevented lenders from forcing homeowners to buy their home insurance through them. Research by the Post Office revealed that an apathy to change plans to get a better deal, and confusion over insurance plans, means that home owners are losing out and being taken advantage of by mortgage lenders looking to cash in. A recent survey by esure.com found that Brits have increasingly valuable items in their homes as they indulge expensive gadgets. It also found that people seriously underestimate the value of the contents of their homes, making home and contents insurance low on their list of priorities. building and contents home insurance quote Read more..

UK garden lovers
Use gravel on driveways or on flowerbeds to make a burglar's entrance as noisy as possible. We certainly aren't frivolous when it comes to choosing our garden adornments and think carefully before we buy. We should all get in the habit of locking up items in the house and making our gardens as secure as possible." To keep prized possessions away from opportunistic thieves, esure.com recommends that homeowners take these simple steps to secure their gardens this summer:. buildings home insurance Read more..

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It will also help speed up the resolution of claims.Phil Loney, managing director, Lloyds TSB Insurance, said:. ROK and Improveline will manage all aspects of any repair work from decoratingthrough to electrical work, scaffolding and carpentry. Thecompanies, ROK and Improveline, will manage buildings claims and carry out all repairwork that is covered by the claim. building home insurance second Read more..

All sorts of quirkiness
Many musicians rely on the personal possessions section of their home contents policy to cover their instrument, only to find out after making a claim that the level of protection offered can be limited and often does not include risks such as unrestricted professional use or depreciation in value following repair. One of the recent claims Allianz Cornhill has received is for a 'Percussion Monkee Tree' - this is a tree branch sited on a surf board with wheels, decorated with chime bars, cow bells, drums and cymbals hanging off it - after a burglary where various items were taken and the tree was stripped. John Feaver, marketing manager for Allianz Cornhill Musical Insurance says:. cheap building and home contents insurance Read more..



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Lost Fortune
“The good news for people losing money around the home is that much of it comes to light during cleaning or whilst re-decorating.” Furthermore, the survey also shows that Brits are losing large sums of money outside the home. Calculation based on number of UK adults:. This equates to £27.49***** per person per year and up to £1731****** over a lifetime. home insurance building Read more...

Danger lurks
Churchill Home Insurance analysed over 11,000 home insurance claims and found that one in five household accidents happen in the kitchen, with the average cost of a cooking related claim being £4,910. Meanwhile, millions of wanabe chefs, all over the country, will take to the kitchen and attempt to flambé the crêpes Suzettes with expensive consequences. Churchill’s top five accident claims in the kitchen are:. Store knives and other sharp objects out of the reach of children.Martin Scott added:. This year Gary Rhodes and Jean-Christophe Novelli will attempt to instill some culinary expertise into 10 raw contestants. cheap building home contents insurance Read more..

Disasters in the home
The research also reveals that half of all homes in the UK will be broken into at some point over a lifetime, with the cost of repairing thieves’ damage and replacing stolen belongings reaching tens of thousands of pounds.  Theft doesn’t stop within the home either – each person could have personal items that they carry around outside the home stolen or lost at least once in a lifetime. Although more rare, these disasters can be costly and have a substantial impact on a household - potentially resulting in a claim for the full value of the property and all its contents. Disasters in the home 02/06/2006They say home is where the heart is and it shouldn’t be taken for granted. insurance building home Read more..

Aladdins cave in the garden
“Insurers receive thousands of claims for items stolen from sheds. Also among the less commonly found items are the cat’s bed, fishing equipment, old tumble dryers, chests of drawers and compost. One in 10 people use it as an “escape from the missus”; while two per cent use it as a place to have a drink with mates just like the television characters Jim Branning and Patrick Truman from Eastenders. building insurance home Read more..

Unapproved Building Work
Plan your budget – don’t take the risk of trying to guess the cost yourself. Direct Line Home spokesperson Simon Ziviani, comments:. Not obtaining planning permission or ensuring that building regulations are complied with may make a property unsaleable and, more seriously, structurally unsound. Top five unapproved projects discovered by homebuyers. buildings contents home insurance quote Read more..

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