How to get the most from your home insurance

We all know that home insurance is important, but do you know exactly what it covers? Here’s how to get the most out of your home insurance.

  • Read the policy wording, particularly if there are any exclusions
  • Check the limits – are they too low? Many policies give the option to increase limits
  • Check your policy excess –most insurers offer the option of increasing or decreasing the excess, although it may impact the premium you pay
  • Tell your insurer if you make any changes to your home, such as a change in occupancy or building works being carried out
  • Think about your lifestyle. For example, if you have children or spend a lot of time at home, consider accidental damage insurance to protect against mishaps
  • Think about cover outside of your home, too. What would happen if your bag or briefcase was stolen – would you be covered for the items you carry around with you?
  • Does your policy cover boilers or appliances? You’ll usually need additional cover for boiler breakdowns
  • Maintain your property – insurers expect homeowners to take reasonable care of their property, so check your home regularly – especially gutters, fences and roofs
  • Review your contents regularly – over time we accumulate more things. We may inherit items, or as children get older they acquire more belongings. Check that your cover is adequate for everything you own
  • If you have valuables, such as jewellery or expensive watches, check the single article limit to make sure they’re covered, and have them valued periodically

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