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A bargain at the tip
Nowadays, just 14% of people confess they would feel ‘very’ embarrassed and 7% would feel ‘slightly’ embarrassed to tell friends they bought an item ‘second-hand’. “The rise in popularity of ebay and hobbies such as ‘car booting’ has led to a phenomenal transformation in what we buy for our homes and lengthened life spans of everyday objects as they are frequently passed from one owner to the next. home owner insurance program. home owner insurance low rate. home insurance purchase. Read more...

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Home Disasters
The most frequent claim is for accidental damage, such as spilling food or drink on carpets and sofas, damage to TVs or entertainment equipment, DIY accidents such as drilling through a cable or water pipe, or even damage to patio doors and double glazing. Whilst most homes will suffer from these more common events, the research reveals that some will have extreme disasters, such as fire (10%), subsidence (6%) and flood (3%). home owner insurance program. home owner insurance low rate. home insurance purchase. Read more..




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Pensioners Home Contents


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Pensioners home contents

(18 July 2005) The traditional image of granny will soon become a thing of the past as today's tech savvy 'middle-agers' enter retirement fully embracing the wonderful world of technology. Research from esure home insurance shows that the value of hi-tech gadgets in pensioner households could increase by nearly 400% in the next 20 years as they fill their homes with the latest gizmos - such as MP3 players, laptops and satellite navigation systems. Today single pensioner households contain only one tenth the value of technology items compared to family homes. But this is set to change according to esure's 'homes of the future' report - an in-depth analysis into the insurance needs of tomorrow's households carried out by the Centre of Economic Business Research (CEBR). 'Middle-agers' are the big spenders . Couples with grown up children - the next generation of retirees - are the biggest spenders on accessories for the home in the UK.


Women spend three years shopping
Churchill Insurance Company Limited. "This is a great example of how people purchase items, and then forget about the accumulative value of them once they are in the wardrobe." The survey confirms what men have long suspected - most women have a Carrie Bradshaw (Sex in the City) like obsession with shoes. home owner insurance program. home owner insurance low rate. home insurance purchase. Read more...

This factor will certainly shape the look and contents of pensioner homes of the future. These couples are the highest spenders on computers and DVD players - almost £550 per year. They also have the highest value of appliances in their homes (such as microwaves, dishwashers, TVs and washing machines) compared to all other households, totaling almost £1,300 per year. It is little surprise that this group is the most likely to take out home insurance to cover all their purchases - more than 90% of couples with grown-up children are insured. A burglar's paradise - more pocket-sized gadgets. Small ipods, hand-held Playstation2s, digital cameras - all things techie are getting smaller, increasingly sophisticated, and ever more desirable. This minaturisation is great news for burglars - as many items can slip into their pockets with ease, especially if they are left lying around on a bedside table or a kitchen counter.

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So with the chance of being burgled at 1 in 24*, it's vital to be properly insured. Value of pensioners' hi-tech home contents set to rise 400% in 20 years, says esure. And the same goes for covering personal possessions away from the home. Gadgets and gizmos are now well and truly handbag-sized. Many of us are already carrying a small fortune around on a daily basis. It's crucial to have ample cover to replace 'portable belongings' in case they are lost or stolen whilst out and about. Looking at the nation as a whole, the report also predicts a dramatic rise in the number of household gadgets cluttering up UK homes over the next 10 years - up by a staggering 60%. Nikki Sellers, Head of Home Insurance at esure, said: "We've all witnessed the online silver surfer phenomenon and will soon be entering the era of the grey-haired gadget-loving granny.


First time buyers warned
With figures showing that young people and homes without security measures are most at risk, those moving for the first time should pay particular attention to securing their properties.Lloyds TSB Insurance has the following advice for first time buyers, to help them ensure their homes are as secure as possible:Think like a burglar and ask yourself the following questions:. home owner insurance program. home owner insurance low rate. home insurance purchase. Read more...


Couples with grown-up kids - the biggest spenders on household goods and gadgets - will retire in homes that are incomparable to those of today's pensioners." "As the list of must-have gadgets lengthens, the value of what's inside all our homes is rising fast. And in this age of minaturisation, it's important for expensive gizmos to be tucked away into drawers, cupboards and handbags, out of sight of burglars. But the danger is for homeowners to overlook these items when estimating the value of their contents - which could leave them under-insured and vulnerable if a burglar does strike." Sources :CEBR (Centre of Economic Business Research) - an independent economics and business research consultancy - produced an analysis of the insurance needs of tomorrow's households for esure in March 2005. It is the first piece of research to systematically analyse how changes in society and lifestyles will influence insurance needs. * CEBR calculations based on the British Crime Survey.

Grandad missed out
Therefore total spend = £1,595,502,000. Simon Ziviani, Direct Line Home Insurance spokesperson, comments:. YouGov interviewed a total of 2,032 UK adults aged 18 and above. home owner insurance program. home owner insurance low rate. home insurance purchase. Read more..


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nation of collectors
With so much value accumulated through these personal items, it is vital that homeowners have the right level of contents insurance to protect their investment.” Churchill’s survey shows that just 18% of respondents have taken extra steps to insure their collections and still around a quarter*** of the nation have no contents insurance at all. home owner insurance program. home owner insurance low rate. home insurance purchase. Read more...

It's all in the stars!
The question is, did air signs suffer the most tornado damage in Birmingham? Overall, water signs are drowning in the most home claims. Astrologers arrange the twelve signs of the Zodiac into four groups, which correspond to the four elements of ancient and medieval philosophy:. home owner insurance program. home owner insurance low rate. home insurance purchase. Read more...

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