Contents Insurance � How Do I Know If I Have Enough Cover?
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David Thomson
Apr 18, 2013, 10:30:03 AM4/18/13
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Please consider this free-reprint article written by:
David Thomson
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Article Title: Contents Insurance �ｿｽ How Do I Know If I Have Enough Cover?
Author: David Thomson
Word Count: 475
Article URL: http://www.isnare.com/?aid=136673&ca=Finances
Format: 64cpl
Contact The Author: http://www.isnare.com/eta.php?aid=136673
Easy Publish Tool: http://www.isnare.com/html.php?aid=136673
*********************** ARTICLE START ***********************
Buying insurance can be a tricky subject, over insure and you risk paying too much in premiums, while under insuring can also be a disaster should the worst come to the worst. So how do you know what is just right?
Obviously the most important tip when it comes to deciding on the amount of cover you need is to take your time and go through your home valuing your belongings. Along with this you can follow the tips outlined below to give you some idea of how much you might need.
Never go rushing and guessing the value of your possessions, you could be surprised how far out of range you are by making a guess. Take a notepad and walk around your home writing down the cost of everything. And by �ｿｽeverything�ｿｽ I really mean everything, from CD�ｿｽs to clothing to furnishing to your pet cat�ｿｽs wicker basket!
Once this is done, you can make an educated decision as to how much contents insurance you need.
Also, do bear in mind that if you buy additional items you should always take these into account when it comes to renewing your home insurance. As an example, even just buying two CD�ｿｽs and a DVD every month can soon mount up to well over an extra �ｿｽ350 a year �ｿｽ a value that should be included in your contents.
Make sure that you understand what the insurer means when they use the term �ｿｽvaluable�ｿｽ. If your policy states that you won�ｿｽt be covered for items worth more than �ｿｽ1,000 and you haven�ｿｽt declared a possession that is over that amount, then it simply won�ｿｽt be covered.
If your policy is new for old then this means that you will get the cost of replacing items with new ones. You should always take into account the rise in cost of items every few years�ｿｽ.
Many policies you take out will include items such as patio furniture and garden equipment so always ensure that if these are covered by your policy, then include them in your evaluation.
Take into account any items which may be difficult to put a value to. For example, you might have a large collection of books or CD`s which you need to cover. If this is the case, then make sure these are noted and that a price has been agreed upon by the insurance company.
If you work from home the majority of policies will cover such items as computers or fax machines, so include these in your estimate if they are covered by your policy. You should also enquire as to the limit of such equipment as most policies will have a limit for items such as these.
About The Author: http://www.BestDealInsurance.co.uk was launched in March 2003 and is dedicated to finding their clients the best deal on home insurance. They offer buildings and contents insurance as well as buy to let insurance �ｿｽ all of which are backed by the BestDealInsurance guarantee.
Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=136673
*********************** ARTICLE END ***********************
- To distribute your articles go to http://www.isnare.com/distribution.php
- For more free-reprint articles go to http://www.isnare.com
Message delivered directly to members of the group:
publish-the...@googlegroups.com
*****************************************************************
Please consider this free-reprint article written by:
David Thomson
*****************************
IMPORTANT - Publication/Reprint Terms
- You have permission to publish this article electronically in free-only publications such as a website or an ezine as long as the bylines are included.
- You are not allowed to use this article for commercial purposes. The article should only be reprinted in a publicly accessible website and not in a members-only commercial site.
- You are not allowed to post/reprint this article in any sites/publications that contains or supports hate, violence, porn and warez or any indecent and illegal sites/publications.
- You are not allowed to use this article in UCE (Unsolicited Commercial Email) or SPAM. This article MUST be distributed in an opt-in email list only.
- If you distribute this article in an ezine or newsletter, we ask that you send a copy of the newsletter or ezine that contains the article to http://www.isnare.com/eta.php?aid=136673
- If you post this article in a website/forum/blog, ALL links MUST be set to hyperlinks and we ask that you send a copy of the URL where the article is posted to http://www.isnare.com/eta.php?aid=136673
- We request that you ask permission from the author if you want to publish this article in print.
The role of iSnare.com is only to distribute this article as part of its Article Distribution feature ( http://www.isnare.com/distribution.php ). iSnare.com does NOT own this article, please respect the author's copyright and this publication/reprint terms. If you do not agree to any of these terms, please do not reprint or publish this article.
*****************************
Article Title: Contents Insurance �ｿｽ How Do I Know If I Have Enough Cover?
Author: David Thomson
Word Count: 475
Article URL: http://www.isnare.com/?aid=136673&ca=Finances
Format: 64cpl
Contact The Author: http://www.isnare.com/eta.php?aid=136673
Easy Publish Tool: http://www.isnare.com/html.php?aid=136673
*********************** ARTICLE START ***********************
Buying insurance can be a tricky subject, over insure and you risk paying too much in premiums, while under insuring can also be a disaster should the worst come to the worst. So how do you know what is just right?
Obviously the most important tip when it comes to deciding on the amount of cover you need is to take your time and go through your home valuing your belongings. Along with this you can follow the tips outlined below to give you some idea of how much you might need.
Never go rushing and guessing the value of your possessions, you could be surprised how far out of range you are by making a guess. Take a notepad and walk around your home writing down the cost of everything. And by �ｿｽeverything�ｿｽ I really mean everything, from CD�ｿｽs to clothing to furnishing to your pet cat�ｿｽs wicker basket!
Once this is done, you can make an educated decision as to how much contents insurance you need.
Also, do bear in mind that if you buy additional items you should always take these into account when it comes to renewing your home insurance. As an example, even just buying two CD�ｿｽs and a DVD every month can soon mount up to well over an extra �ｿｽ350 a year �ｿｽ a value that should be included in your contents.
Make sure that you understand what the insurer means when they use the term �ｿｽvaluable�ｿｽ. If your policy states that you won�ｿｽt be covered for items worth more than �ｿｽ1,000 and you haven�ｿｽt declared a possession that is over that amount, then it simply won�ｿｽt be covered.
If your policy is new for old then this means that you will get the cost of replacing items with new ones. You should always take into account the rise in cost of items every few years�ｿｽ.
Many policies you take out will include items such as patio furniture and garden equipment so always ensure that if these are covered by your policy, then include them in your evaluation.
Take into account any items which may be difficult to put a value to. For example, you might have a large collection of books or CD`s which you need to cover. If this is the case, then make sure these are noted and that a price has been agreed upon by the insurance company.
If you work from home the majority of policies will cover such items as computers or fax machines, so include these in your estimate if they are covered by your policy. You should also enquire as to the limit of such equipment as most policies will have a limit for items such as these.
About The Author: http://www.BestDealInsurance.co.uk was launched in March 2003 and is dedicated to finding their clients the best deal on home insurance. They offer buildings and contents insurance as well as buy to let insurance �ｿｽ all of which are backed by the BestDealInsurance guarantee.
Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=136673
*********************** ARTICLE END ***********************
- To distribute your articles go to http://www.isnare.com/distribution.php
- For more free-reprint articles go to http://www.isnare.com
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