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Are You Underinsured?
Your home and your possessions are undoubtedly important to you. Loss of them is always a traumatic experience, but it is made much worse if you're underinsured and unable to fully replace all you’ve lost.
Surprisingly many people underestimate how much cover they actually need and so fail to adequately insure their home buildings and contents, or renew their policy annually without regard to current replacement costs.
Home Building
When reviewing your building replacement value also consider:
- Lengthy lead times prior to construction and construction itself taking typically more than 12 months are continually putting upward pressure on construction costs.
- The cost of renting alternative premises during your home's repair or rebuilding should be included in the total figure for your building sum insured.
- Alterations or additions to your home including landscaping, garden sheds, swimming pools, outdoor entertainment areas and other structures should be included in the total insured amount.
- To calculate the value of your building click here>
Home Contents
Keeping track of the value of your home's contents is not easy so we provide a home contents calculator for estimating the replacement cost of the items in your home. Click on the link to calculate the value of your home contents click here>
It's a good idea to review and update your valuation at least once a year to avoid the risk of being underinsured.
If in doubt, don't hesitate to contact us to ensure that your property and contents are adequately covered. This is after all a small price to pay for peace mind in the event of damage to or loss of your home.