Perfect Insurance

Choosing the perfect insurance for your sweet home 

Choosing a home to buy represents, for the vast majority of people, the most significant expenditure of their lifetime. The amount of care taken in deciding which is the perfect property for you should be mirrored in the way in which you decide to protect that investment through insurance. 

Where to start 

Numerous companies quick online quotes and enticing deals, but in these uncertain financial times it would be wise to obtain your house insurance from a reputable household name, so that you can have more confidence in support being available for years to come. Providers will be quick to you a 'one size fits all' package, but tailoring a policy to your specific needs could end up saving you money on your premiums, and will ensure that you don't end up falling through any legal loopholes in the event of making a claim. 

Ongoing advice 

Though you will have no trouble getting information from online and in person from companies that are keen to make the initial sale, not all insurance providers are well equipped to help with your queries once your policy is under way. Many look to save money on labour costs by downsizing or outsourcing telephone staff, so why not think ahead by going with a company that keeps a well trained, UK based customer care team on hand. You may also want to look at whether it will be easy to access your details online and make changes to your coverage that way, if regular easy access to your account is important to you. 

Optional extras 

With the main bulk of your buildings and contents cover being fairly self explanatory, there could be one or two additions to the policy that you may find worthwhile depending on your circumstances. If the thought of trawling through adverts to find a reliable tradesman while your home fills with water from a burst pipe fills you with dread, perhaps home insurance that offers 24 hour assistance in such a scenario could be the answer. If your children are currently away studying at college or boarding school, including an insurance clause that protects their belongings while living away from home could provide valuable protection for them - in a potentially high risk living arrangement. If you are one of the many health or environment conscious people who uses a high quality bicycle for daily travel, why not give it the same level of cover that you would afford to a motor vehicle? 

If the options above sound relevant to you, or if you have any further queries about taking out insurance for your home, take a few seconds to look at a what is on offer from a well trusted provider like Axa Insurance. 

This is a guest post.