4 tips to help keep your home and your insurance policies in top shape
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Just as your home needs a good clean at least once a year, so do your insurance policies.Below are some trusted tips that will help get your house, and insurance policies, looking brand new again:
- Start big
Have you recently moved into a new house? Did you renovate your kitchen? Or maybe you bought a new car? Those are some of the questions you need to ask yourself and discuss with your broker so that your car and buildings insurance policies can get updated accordingly.
- Out with the old and in with the new
You might have bought a new music entertainment system or a bigger fridge, but did you remember to update your policy to add these new items? If not, call your broker as soon as possible so that you can have that information updated accordingly. But it’s not only about adding new things to your home inventory, if there are items that you no longer own, then remove them from your list immediately so that you are covered only for what you currently own.
- Maintenance is key
Remember that any upgrades to your security could impact your premium, so make sure you comply with your policy conditions regarding minimum security in and around your home, such as a burglar alarm, burglar bars and security gates. If you need to update your home’s security, make sure you let your broker know so that they may update your policy accordingly or provide you with a suitable home contents insurance quote if you don’t already have that specific item covered.
- Keep an inventory list
Keep in mind that the value of your household and personal items increase or decrease with each passing year, and it is your responsibility as the homeowner to keep an accurate inventory list with updated values so that should you need to claim due to damage, theft or loss, your pay-out will be an accurate reflection of the value of your goods.
Even with all of these tips in mind, always remember that you as the homeowner are solely and fully responsible for keeping your home as secure as possible, and for keeping all your valuables insured to the maximum amount of their value.
