Securing Good Home Insurance

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Published on Tuesday, 23 October 2012 10:56

Last Updated on 23 October 2012

Monica Costa

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When you purchase a new home, there are a lot of things to be excited about right off the bat – particularly if it is a step you’ve been excited about taking. For example, if after years of looking for the right situation you finally find that perfect home in London, you will be swept up in a wave of excitement. There’s the task of moving into the city, setting up your home and yard the way you like, and generally turning it from a house into a home.

However, in the midst of all the fun parts of moving into your dream home, it is important not to overlook some of the important tasks involved that may not necessarily be fun. For example, you will want to talk to Aviva early in the process, so that you can be sure your home is insured effectively. Home insurance often seems like something of an unnecessary expense when you’re paying it – but it is certainly necessary as a precaution. Here are a few of the things your insurance may protect you from.

Natural Disasters

Occasionally, a natural disaster or something similar comes along in a completely unavoidable manner. Depending on where your home is and what the weather is like, this may mean anything from a sudden tornado, to an earthquake, or even simply a severe thunderstorm. Damages to your home that occur as a result of these types of events are covered in most home insurance policies. This means that if, for example, a tree falls through a window in your home, you will not have to pay the entire cost for repair out of your pocket.

Stolen Property

Not all insurance is meant for physical damage. If you experience a robbery on your property, and your personal possessions are stolen, it can be a major misfortune financially. While there is never a guarantee that you can get your possessions back, home insurance can cover the approximate value of those possessions, which allows you to replace them without suffering a financial setback due to a robbery. This is generally recommended in any good home insurance policy.

Injury

Finally, there is also the issue of personal injury, which is another common aspect of most good home insurance policies. Imagine that someone is visiting your home – perhaps a friend of your child’s – and sustains an unfortunate injury. Thought you would always hope to deal with the situation reasonably, there is always the chance that the injured person, or that person’s family, could sue you to pay for any necessary compensation. Home insurance policies can cover incidents like this and can pay for personal injuries in situations like the one described above, which can help you avoid not only steep expenses, but also legal hassles.