Get Your Head Round Property Insurance

is there to protect your contents. This is optional, but highly advisable for every single house, even if you are renting from a landlord.

If you did have fire or flood damage in your property (and with the number of flood warnings out again this week, the chances of a natural catastrophe affecting houses seems high) you’d be surprised by the damage done to your possessions.

Even a small fire can wreck an entire house because of the intensity of the smoke produced. Just a little flood water will destroy everything it touches, as it is often filthy.

Every householder should invest in adequate contents insurance. Don’t be tempted to skimp on it. You might think you could buy the entire contents of your house for £50,000, but when you add up the true cost of replacing every single possession you have spent years accumulating, the bill could be horrendous.

Walk through your house and make a list of the potential costs of replacing everything with brand new items. When it comes to property insurance for your contents, it’s always worth over insuring.