{"id":2486,"date":"2015-09-02T12:19:11","date_gmt":"2015-09-02T12:19:11","guid":{"rendered":"https:\/\/www.thehouseshop.com\/property-blog\/your-guide-to-home-insurance\/"},"modified":"2018-02-19T15:31:46","modified_gmt":"2018-02-19T15:31:46","slug":"your-guide-to-home-insurance","status":"publish","type":"post","link":"https:\/\/www.thehouseshop.com\/property-blog\/your-guide-to-home-insurance\/","title":{"rendered":"Your Guide to Home Insurance"},"content":{"rendered":"\n<!-- SEO Ultimate Plus (https:\/\/seoultimateplus.com) - Code Inserter module -->\n<script async>(function(s,u,m,o,j,v){j=u.createElement(m);v=u.getElementsByTagName(m)[0];j.async=1;j.src=o;j.dataset.sumoSiteId='b68b392479b5981b8acf46565e9fe32a0734fc21a1f7c1e60121eaa6ca1a1c64';v.parentNode.insertBefore(j,v)})(window,document,'script','\/\/load.sumo.com\/');<\/script>\n<!-- \/SEO Ultimate Plus -->\n\n<p><!-- \/* Font Definitions *\/ @font-face {font-family:Times; panose-1:2 0 5 0 0 0 0 0 0 0; mso-font-charset:0; mso-generic-font-family:auto; mso-font-pitch:variable; mso-font-signature:3 0 0 0 1 0;} @font-face {font-family:Cambria; panose-1:2 4 5 3 5 4 6 3 2 4; mso-font-charset:0; mso-generic-font-family:auto; mso-font-pitch:variable; mso-font-signature:3 0 0 0 1 0;} \/* Style Definitions *\/ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:\"\"; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; font-family:\"Times New Roman\"; mso-ascii-font-family:Cambria; mso-ascii-theme-font:minor-latin; mso-fareast-font-family:Cambria; mso-fareast-theme-font:minor-latin; mso-hansi-font-family:Cambria; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:\"Times New Roman\"; mso-bidi-theme-font:minor-bidi; mso-ansi-language:EN-US;} @page Section1 {size:612.0pt 792.0pt; margin:72.0pt 90.0pt 72.0pt 90.0pt; mso-header-margin:36.0pt; mso-footer-margin:36.0pt; mso-paper-source:0;} div.Section1 {page:Section1;} --> <!-- \/* Font Definitions *\/ @font-face {font-family:Arial; panose-1:2 11 6 4 2 2 2 2 2 4; mso-font-charset:0; mso-generic-font-family:auto; mso-font-pitch:variable; mso-font-signature:3 0 0 0 1 0;} @font-face {font-family:Cambria; panose-1:2 4 5 3 5 4 6 3 2 4; mso-font-charset:0; mso-generic-font-family:auto; mso-font-pitch:variable; mso-font-signature:3 0 0 0 1 0;} \/* Style Definitions *\/ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-parent:\"\"; margin:0cm; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; font-family:\"Times New Roman\"; mso-ascii-font-family:Cambria; mso-ascii-theme-font:minor-latin; mso-fareast-font-family:Cambria; mso-fareast-theme-font:minor-latin; mso-hansi-font-family:Cambria; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:\"Times New Roman\"; mso-bidi-theme-font:minor-bidi; mso-ansi-language:EN-US;} @page Section1 {size:612.0pt 792.0pt; margin:72.0pt 90.0pt 72.0pt 90.0pt; mso-header-margin:36.0pt; mso-footer-margin:36.0pt; mso-paper-source:0;} div.Section1 {page:Section1;} --> <img loading=\"lazy\" src=\"http:\/\/blogs.independent.co.uk\/wp-content\/uploads\/2012\/10\/1893cbcedfa6978bed8a9ac78c0d42c68c54de84.jpg\" alt=\"Home Insurance Guide\" width=\"568\" height=\"384\" align=\"none\" \/><\/p>\n<p class=\"MsoNormal\" style=\"margin: .1pt 0cm .1pt 0cm;\"><span style=\"font-size: 11.0pt; font-family: Arial;\" lang=\"EN-US\">A <a class=\"wl-entity-page-link\" title=\"Land lot\" href=\"https:\/\/www.thehouseshop.com\/property-blog\/land-lot\/\" data-id=\"http:\/\/data.wordlift.io\/wl0502\/entity\/land_lot;http:\/\/rdf.freebase.com\/ns\/m.0gs32y;http:\/\/dbpedia.org\/resource\/Land_lot\" >lot<\/a> of people see the various forms of insurance as nothing more than another unnecessary expense that they would rather spend elsewhere, but the fact of the matter is that having a policy in place puts you in a much better position if something does go wrong than if you don\u2019t have any cover.<\/span><span style=\"font-size: 11.0pt; font-family: Arial;\"><\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin: .1pt 0cm .1pt 0cm;\"><span style=\"font-size: 11.0pt; font-family: Arial;\" lang=\"EN-US\">\u00a0<\/span><span style=\"font-size: 11.0pt; font-family: Arial;\"><\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin: .1pt 0cm .1pt 0cm;\"><span style=\"font-size: 11.0pt; font-family: Arial;\" lang=\"EN-US\"><a class=\"wl-entity-page-link\" title=\"homeowners\" href=\"https:\/\/www.thehouseshop.com\/property-blog\/home-insurance\/\" data-id=\"http:\/\/data.wordlift.io\/wl0502\/entity\/home_insurance;http:\/\/rdf.freebase.com\/ns\/m.0313mp;http:\/\/yago-knowledge.org\/resource\/Home_insurance;http:\/\/dbpedia.org\/resource\/Home_insurance\" >Home insurance<\/a> is regularly overlooked by home owners, with many believing that they don\u2019t need it and, having already splashed out on car insurance for the year, they may not be able to afford it. However, with <a href=\"http:\/\/www.budgetdirect.com.au\/home-contents-insurance.html\">Budget Direct home insurance<\/a> in place you can cover your <a class=\"wl-entity-page-link\" title=\"homes\" href=\"https:\/\/www.thehouseshop.com\/property-blog\/housing-estate\/\" data-id=\"http:\/\/data.wordlift.io\/wl0502\/entity\/housing_estate;http:\/\/rdf.freebase.com\/ns\/m.01rtvp;http:\/\/dbpedia.org\/resource\/Housing_estate\" >home<\/a> and it doesn\u2019t have to be expensive, you just cover what you need to cover.<\/span><span style=\"font-size: 11.0pt; font-family: Arial;\"><\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin: .1pt 0cm .1pt 0cm;\"><span style=\"font-size: 11.0pt; font-family: Arial;\" lang=\"EN-US\">\u00a0<\/span><span style=\"font-size: 11.0pt; font-family: Arial;\"><\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin: .1pt 0cm .1pt 0cm;\"><span style=\"font-size: 11.0pt; font-family: Arial;\" lang=\"EN-US\">The name of the policy, home insurance, confuses many people because they think it only refers to the physical condition of their <a class=\"wl-entity-page-link\"  href=\"https:\/\/www.thehouseshop.com\/property-blog\/property\/\" data-id=\"http:\/\/data.wordlift.io\/wl0502\/entity\/property;http:\/\/rdf.freebase.com\/ns\/m.05wrt;http:\/\/dbpedia.org\/resource\/Property\" >property<\/a>. If they are of the belief that home insurance will only cover issues regarding the structure of their home \u2013 such as the walls and roof \u2013 then they might decide that it is unnecessary when in actual fact you can cover far more, including your essential contents within the home such as electrical appliances.<\/span><span style=\"font-size: 11.0pt; font-family: Arial;\"><\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin: .1pt 0cm .1pt 0cm;\"><span style=\"font-size: 11.0pt; font-family: Arial;\" lang=\"EN-US\">\u00a0<\/span><span style=\"font-size: 11.0pt; font-family: Arial;\"><\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin: .1pt 0cm .1pt 0cm;\"><span style=\"font-size: 11.0pt; font-family: Arial;\" lang=\"EN-US\">That isn\u2019t to say that home insurance doesn\u2019t cover the property itself, however, far from it. In the event of a fire, flooding or vandalism \u2013 to give examples \u2013 your property would be covered and the insurance company would provide the compensation to have any repair work done. <\/span><span style=\"font-size: 11.0pt; font-family: Arial;\"><\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin: .1pt 0cm .1pt 0cm;\"><span style=\"font-size: 11.0pt; font-family: Arial;\" lang=\"EN-US\">\u00a0<\/span><span style=\"font-size: 11.0pt; font-family: Arial;\"><\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin: .1pt 0cm .1pt 0cm;\"><span style=\"font-size: 11.0pt; font-family: Arial;\" lang=\"EN-US\">There are a number of things you can do to try and reduce the amount you pay for your home insurance, one of which being to consider the materials you <a class=\"wl-entity-page-link\" title=\"Use (law)\" href=\"https:\/\/www.thehouseshop.com\/property-blog\/use-law\/\" data-id=\"http:\/\/data.wordlift.io\/wl0502\/entity\/use_law;http:\/\/rdf.freebase.com\/ns\/m.05r4j5;http:\/\/dbpedia.org\/resource\/Use_(law)\" >use<\/a> in any DIY <a class=\"wl-entity-page-link\" title=\"Public housing\" href=\"https:\/\/www.thehouseshop.com\/property-blog\/public-housing\/\" data-id=\"http:\/\/data.wordlift.io\/wl0502\/entity\/public_housing;http:\/\/rdf.freebase.com\/ns\/m.0184vk;http:\/\/dbpedia.org\/resource\/Public_housing\" >projects<\/a>. For example, <a href=\"http:\/\/en.wikipedia.org\/wiki\/Timber_framing\">wooden structures<\/a> are at greater risk of catching fire or being damaged than a solid brick building and, as such, the insurance company may choose to charge more for the policy. As such it would make more sense, where possible, to build more solid structures.<\/span><span style=\"font-size: 11.0pt; font-family: Arial;\"><\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin: .1pt 0cm .1pt 0cm;\"><span style=\"font-size: 11.0pt; font-family: Arial;\" lang=\"EN-US\">\u00a0<\/span><span style=\"font-size: 11.0pt; font-family: Arial;\"><\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin: .1pt 0cm .1pt 0cm;\"><span style=\"font-size: 11.0pt; font-family: Arial;\" lang=\"EN-US\">Another option is to raise the <a href=\"http:\/\/uk.answers.yahoo.com\/question\/index?qid=20090526121106AAIxD3o\">excess<\/a> on your policy. This is the amount that you are willing to pay before the insurance company gets involved in the compensation. For example, if you had to make $1,000-worth of repairs and your excess was $300, the insurance company would pay the remaining $700. <\/span><span style=\"font-size: 11.0pt; font-family: Arial;\"><\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin: .1pt 0cm .1pt 0cm;\"><span style=\"font-size: 11.0pt; font-family: Arial;\" lang=\"EN-US\">\u00a0<\/span><span style=\"font-size: 11.0pt; font-family: Arial;\"><\/span><\/p>\n<p class=\"MsoNormal\" style=\"margin: .1pt 0cm .1pt 0cm;\"><span style=\"font-size: 11.0pt; font-family: Arial;\" lang=\"EN-US\">All insurance policies can be tailored to meet your individual needs. There is no \u2018template\u2019 as such, you simply choose what you want to be covered for and then the insurers will work around those requirements to give you your quote.<\/span><span style=\"font-size: 11.0pt; font-family: Arial;\"><\/span><\/p>\n<p><span style=\"font-size: 10.0pt; font-family: Times;\" lang=\"EN-US\"><\/span><span style=\"font-size: 10.0pt; font-family: Times;\"><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A lot of people see the various forms of insurance as nothing more than another unnecessary expense that they would rather spend elsewhere, but the fact of the matter is that having a policy in place puts you in a<span class=\"ellipsis\">&hellip;<\/span><\/p>\n<div class=\"read-more\"><a href=\"https:\/\/www.thehouseshop.com\/property-blog\/your-guide-to-home-insurance\/\">Read more &#8250;<\/a><\/div>\n<p><!-- end of .read-more --><\/p>\n","protected":false},"author":41,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"wl_entities_gutenberg":"","_lmt_disableupdate":"","_lmt_disable":"","spay_email":""},"categories":[15,16],"tags":[],"wl_entity_type":[602],"modified_by":null,"_wl_alt_label":[],"jetpack_featured_media_url":"","wl:entity_url":"http:\/\/data.wordlift.io\/wl0502\/post\/your_guide_to_home_insurance","_links":{"self":[{"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/posts\/2486"}],"collection":[{"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/users\/41"}],"replies":[{"embeddable":true,"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/comments?post=2486"}],"version-history":[{"count":2,"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/posts\/2486\/revisions"}],"predecessor-version":[{"id":15080,"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/posts\/2486\/revisions\/15080"}],"wp:attachment":[{"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/media?parent=2486"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/categories?post=2486"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/tags?post=2486"},{"taxonomy":"wl_entity_type","embeddable":true,"href":"https:\/\/www.thehouseshop.com\/property-blog\/wp-json\/wp\/v2\/wl_entity_type?post=2486"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}