Protecting your home and its contents with insurance is important, nobody doubts that but are they protected in the best possible way?

Many people believe that if they choose a cheap policy from a well known insurer that they will be covered, in the unfortunate even of having to make a claim. Wouldn't it be better to check this out before taking out a policy so that there are no surprises in the future?

Home buildings insurance and contents insurance policies vary hugely in what they cover and a lot of research should be done before taking out a policy.

A little research and some sound friendly advice before taking out a policy can save a lot of heartache at a later date

Home Buildings Insurance

Some questions you may want answering:

• What value will your property be given in the event of damage or even a total loss?
• If you have to move out of your home, where will your insurer house you and for hoe long and will you have any say in the matter?

Contents Insurance

Some questions you may want answering:

• How much are your contents really worth and who will value them?
• Will your posessions be replaced 'new for old'?
• Will you have the choice of how to replace your valuables or wil the insurer do this for you?
• Do you have to keep photos and reciepts for unique items such as antiques?