Whether you’re buying your first home, moving home or simply renewing your policy, there’s a lot to consider when it comes to protecting your home and possessions.

The average cost of buying a house in the UK is £32,771. Highlighting why it’s so important to protect your home against damage or theft should the worst happen. Virtually all mortgage companies require borrowers to have insurance coverage for the full or fair value of a property and won’t loan you money without it.

Property Claim Assist have put together a simple home insurance guide so that you can better understand how to effectively insure your home.

Types of Home Insurance

The 2 types of home insurance you need to think about:

1. Buildings Insurance

2. Contents Insurance

Buildings Insurance

property damage

Buildings insurance covers the physical structure of your home. This includes the roof, walls and windows. It also includes the permanent fixtures, such as the fitted kitchen and the bathroom suite.

What are the common exclusions?

Potential areas that buildings insurance will not usually pay out for are:

1. Wear and Tear

2. Acts of War

3. Terrorism

4. If your home is unoccupied for more than 30 days during the year

You should always check the small print to find out exactly what your insurance covers. You need enough buildings insurance to cover the cost of rebuilding your property.

Contents Insurance

gaming

Not only is it important to insure the physical structure of your property, it is also essential that you insure the contents within it. This protects you in the event of theft, storms, fire, flooding and leaks.

It is likely that your insurer will ask you to provide details of any valuable items. The most efficient way to do this is to walk around your property and make an inventory of all your possessions. This includes but is not limited to TVs, iPhones, jewellery, computers etc. Make sure you read the terms and conditions of the policy because most insurers limit the payout for a single item.

How Property Claim Assist Can Help

With our home insurance guide, we hope you have all knowledge you need to insure your home effectively. Our advice at Property Claim Assist is to always check the small print so that you avoid ending up in an unexpected and devastating situation.

Accessing support with your own property insurance claim, or that of a loved one, is extremely simple. Just call Property Claim Assist on 0333 577 2720 or gain more information at www.propertyclaimassist.co.uk

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Property Claim Assist help policyholders submit & manage their property insurance claims.

Ensure a fair settlement for your property insurance claim.

Client Feedback

Reviews from previous policyholders that have appointed Property Claim Assist to manage their claim.

We pride ourselves on managing your property insurance claim, ensuring that we take the weight off your shoulders, with a stress free process.

“Thank goodness I had these guys by my side”

After a traumatic accidental house fire I was a little lost on how to deal with the insurance and the claim. I reached out to these guys and thank god I did! Simon and everyone else at Property Claim Assist were invaluable and I honestly don’t know if I could have got through it all without them. Handling a big and complex insurance claim is very stressful and complicated. The guys at PCA explained how everything worked and guided me through it all and took up a lot of slack and a lot of the work. Thank goodness I had these guys to depend on.

Paul, Fire Insurance Claim
“Professional Handling of the Claim while I was Overseas”
Professional, timely, efficient and effective handling of a massive Escape of Water Claim in a Grade II listed cottage. Gary knows the process, has the contacts and gets things done. I was having to deal with this loss while overseas, so having the Property Claim Assist interfacing with the insurance company, surveyor and contractors was a godsend. Would not have had such a fabulous remediation without Property Claim Assist.

Dr Ford, Fire Insurance Claim, Fire Insurance Claim

“Amazing from start to finish”

Where do I start…Property Claim Assist took our case on when no one else would. They have been brilliant from day 1. We were fighting a loosing battle with the insurance company. They were 100% professional and adept from start to finish. They have been patient and empathetic and got the job done. We will be forever grateful to PCA. The experience has been life changing in many ways but we are in a massively better off position than we were before we contacted them. I cannot recommend PC Assist highly enough.

Alison, Property Insurance Claim, Fire Insurance Claim