Home / House Insurance - designed to provide you with financial protection against any damage and possible risks that your property and possessions may face against unforeseen events and circumstances. Home Insurance covers, both the actual structure of your building, fixtures, fittings and your personal possessions within the property. debt consolidation programs.

It is an important indemnity against all kinds of loss that can occur if incidents such as break-ins, or natural disasters like earthquake, flood, etc… that could affect the structure of your home and belongings within. Damages of any kinds, man made or natural can result in some of the largest bills you have seen in your life.

Home Insurance is not a legal requirement like motor cover, but it is a vital precaution against risks. Whether you own your home outright or you still paying off mortgage, home insurance are for your peace of mind keeping it free from worries about your home.

Content Insurance - Content Insurance comes under Home / House Insurance group. Content Insurance insures all the movable objects inside your home for loss or damage caused by specific events and occurrences. Content Insurance covers your personal household possessions like televisions, videos, hi-fi equipment, furniture, clothing, carpets and all kinds of electrical goods.

Content Insurance generally protects from -
Severe weather consequences like storm, lightening or floods
Theft and vandalism
Fire, smoke and explosions
Subsidence
Burst pipes, water or oil leakage
Earthquakes, civil commotions and
Impact from vehicles of falling trees

There are two main types of content insurance cover - Old for New - where policy insures your content on current market price if destroyed by any unforeseen events or circumstances... Indemnity Cover - where insurance company takes into account general depreciation value of the insured contents.

Building Insurance - aims to cover damage of loss to the actual structure of your property as well as the fixtures and fittings of your home. Building insurance can even be extended to cover other areas of buildings such garages, greenhouses, walls, fences, swimming pools, driveways, gates and paths.

Building insurance is best calculated by a good building insurer, as the insurance amount is based on several factors such as property size, location, and market value

Any fixture or fittings that are not easily removable by you or thief will come under building insurance cover. Permanent fixtures and fittings like windows, toilets, baths, fitted kitchens, fireplaces, built in wardrobe or cupboards, and even your interior decorations. Physical damages like smashed windows or doors, due failed attempts by thieves come under building insurance cover.