What is Home Insurance?

 

Home insurance is as it sounds it protects your bricks & mortar and also has the option of cover for your contents should you wish against the standard perils such as Fire, Flood, Theft & Natural disasters.

 

Why would I need Home Insurance?

 

If you have a mortgage or you want to safeguard your family that if anything should happen to your property then you would be insured to either repair or rebuild your property on a reinstatement basis. Your mortgage provider will insist on having the adequate rebuild cost covered by your insurance so that if for example your property burnt down then you would have a policy in place to rebuild your property and as such make the mortgage loan that you have on your premises be protected and avoid you being liable for the full outstanding balance. Contents cover is an optional extra but strongly recommended on all Home policies in view that these are your worldly possessions and for them to be replaced may not just be of a monetary nature but sometimes of a historic nature.

 

What is Contents Insurance?

 

Contents Insurance is a necessity for both homeowners and tenants,to cover the value of possessions or property in the event of damage, destruction, or loss. This includes all non-permanent structures and fixtures in your home, as well as furniture, appliances, electronics, and some valuables. Items of very high value(such as jewellery or some electronics) may need to be insured separately to achieve complete coverage of their value. Although coverage is not compulsory, it is advisable.

 

Your possessions are covered through contents insurance, as well as belongings of your family that live in the same household. Others may be included, dependent on the specific insurance policy. Contents Insurance is valued in case of weather-related damage, fire & criminal activities such as theft and vandalism. Although accidental damage is not usually covered you can extend your cover to include this together with all risks extensions. This may be a good option for high risk individuals and families, such as those with children or pets or those that travel with items of value.

 

What do I need to get a competitive Home quote?

 

If you are looking to purchase Home insurance for the first or the fiftieth time, more information given to your insurance advisor means that we can tailor the policy to suit your needs without cutting cover and meaning that we can provide you with an affordable solution. Information that is always handy to have is the costs of the re-build of your property in view that this is what the insurers will have to pay out in total to replace your home, details of any previous claims, details of occupants and also what level of cover you need.

 

Should you require further information please contact us on the number above or alternative email info@crs-consultants.com with your requirements.

 

Why Choose the Home Specialists CRS Consultants?

 

CRS Consultants feel that Home Insurance has been the core of our business at CRS Consultants for the last 33 years and we have built and excellent reputation with customers and insurers alike with our service and choice of product. Our constant investment in our quality staff keeps us ahead of our competitors in ensuring our service standards remain high whilst our competitive edge increases.

 

As we are an independent broker we have built up enviable relationships with all the leading UK Insurers and our approach and due diligent spent on each case assures our customers that this is the right Home Insurance policy for you.