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What does Contents Insurance Cover?
Contents Insurance covers loss or damage to your possessions whilst they are in your home howsoever caused (apart from personal malicious damage).
Will Home Insurance cover your garage, sheds,greenhouse and outbuildings?
Usually they will – but you will have to check the details of the insurance you are being offered.
What Parts of my Property are Unlikely to be Covered by Home Insurance?
Home Insurance rarely covers swimming pools, plants, trees, paths, fences, gates and drives.
Will the Risk of Subsidence or Land Slippage Affect Your Insurance Premium?
Yes either will greatly affect your premium.
How Do You calculate the value for your Contents Insurance?
Ideally you should compile a detailed and thorough inventory of all your contents. This enables you to work out how much to insure for and, if you have a claim, your claim will be settled so much quicker.

Will the Risk of Flooding Affect Your Insurance Premium?

Yes it will have big affect on your premium.

In this context we are concerned about drainage problems in the immediate area of your home. Problems caused by rivers, storm drains, encroachment by the sea, water collecting or failing to disperse - in fact any situation where water could enter your home from outside apart from as a direct result of a problem with the structure of your home (e.g. a hole in the roof).

As you will appreciate, floods are particularly destructive events causing enormous damage to both the contents and structure of your home. Indeed, when you buy a property your solicitor will require the existing owners to disclose whether the property has had any previous history of flooding. They may even place enquiries with the Water Company responsible for your area.

The insurance companies also have records of areas which are liable to flooding and in areas of bad flooding, they may well refuse to insure property. This could mean that the property is virtually un-saleable as all mortgage providers insist that a building is insured before they will lend against it.

At the last estimate, in the UK there were 2 million homes built in known flood areas.

You are advised to think very hard and take professional advice before exchanging contracts on any property which has a history of flooding.

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