home contents insurance
Thread Starter
Scooby Regular
Joined: Mar 1999
Posts: 25,080
Likes: 0
From: The Great White North
a friend of mine has moved from thier housing association flat into a housing association 2 bedroom house, and they think it's about time they got some house insurance, I've been tasked with finding things out, so here's some questions.
1: Would they need buildings insurance or just contents & possesions insurance, seeing as they don't "own" the house, it's owned by the housing association??
2: If they don't need the above, then it's just contnets and possesions we need, What should one include on the list of contnents, TV's, videos, DVD players, washing machines, etc.. I know, but what about carpets, curtains, sofa's, beds? should they be included in the figure?
3: Who's the best to go to at the moment, or at least someone who might be able to give advice, and not shaft them.
anything to watch out for, be wary of?
1: Would they need buildings insurance or just contents & possesions insurance, seeing as they don't "own" the house, it's owned by the housing association??
2: If they don't need the above, then it's just contnets and possesions we need, What should one include on the list of contnents, TV's, videos, DVD players, washing machines, etc.. I know, but what about carpets, curtains, sofa's, beds? should they be included in the figure?
3: Who's the best to go to at the moment, or at least someone who might be able to give advice, and not shaft them.
anything to watch out for, be wary of?
Scooby Regular
Joined: Apr 2000
Posts: 404
Likes: 0
Hi Markus
1. They need to check with the housing association to see who's responsible for what. It may be a condition of the lease that the tentant covers any damage to the building.
2. Bottom line here is to insure everything that they would want replaced in the event of something horrible happening - fire, burst pipe in the loft, theft etc etc. It's easy to underestimate the replacement value of your possessions so make sure everything's covered at the replacement value. Most companies do a 'new for old' deal.
3. I'm with Direct Line on a bundled deal for contents and buildings - pretty competitive and they cough up without a question. Have a look at
1. They need to check with the housing association to see who's responsible for what. It may be a condition of the lease that the tentant covers any damage to the building.
2. Bottom line here is to insure everything that they would want replaced in the event of something horrible happening - fire, burst pipe in the loft, theft etc etc. It's easy to underestimate the replacement value of your possessions so make sure everything's covered at the replacement value. Most companies do a 'new for old' deal.
3. I'm with Direct Line on a bundled deal for contents and buildings - pretty competitive and they cough up without a question. Have a look at
Scooby Regular
Joined: Nov 2000
Posts: 26,619
Likes: 0
1. As Kav said - depends on the lease, but generally the owner.
2. Best way is to make an inventory of everything over 50 quid. This sounds like a pain, but if the house burns down they will never remember all the stuff they had. Also include CD's etc. If they are moving house they should be able to do this fairly quickly.
3. Once they have decided on contents value, back to yellow pages. As a guideline, I have 200 000 buildings and 80 000 contents that costs me 240 quid a year through Causeway (NI version of Royal and Sun Alliance)
2. Best way is to make an inventory of everything over 50 quid. This sounds like a pain, but if the house burns down they will never remember all the stuff they had. Also include CD's etc. If they are moving house they should be able to do this fairly quickly.
3. Once they have decided on contents value, back to yellow pages. As a guideline, I have 200 000 buildings and 80 000 contents that costs me 240 quid a year through Causeway (NI version of Royal and Sun Alliance)
Thread
Thread Starter
Forum
Replies
Last Post