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Personal belongings Insurance – are you fully covered?

Personal belongings Insurance – are you fully covered?

If you’re never without your mobile phone or you like catching up with shows on your tablet every morning during the long commute, you might want to consider adding personal belongings insurance to your current buildings or contents policy.

While your contents/home insurance protects these items in your house, the cover stops as soon as you take them outside the boundaries of your home.

We get claims for:

  • Phones left in taxis
  • Cameras lost on holiday
  • Rings and jewellery that slip off in the sea
  • Wallets and purses left in the supermarket by mistake
  • Leaving your iPod on the train
  • Having your watch stolen from a hotel room

To insure against these kind of things, you’d need to add Personal belongings cover. It’s there to help when you’re out and about.

There are multiple aspects that make up insurance policies. While you may not fully understand each section of the contracts, it’s important that you learn and understand what the contract specifies, including your limits. That way, if you need to file a claim, you will know what the insurance company will and will not cover.

 

Why is personal belongings insurance important?

Personal belongings insurance offers protection for your personal effects when they are removed from your home. If an item of yours is lost, stolen, or damaged while away from your home, it would allow you to replace that item.

Most of us don’t realise how much the items we carry around with us every day are worth. A tablet and mobile phone could be worth several hundred pounds by themselves, let alone any money we may have in our bags and pockets.

 

Is there anything Personal belongings cover won’t cover against?

Yes. It doesn’t cover:

  • Wear and tear
  • Things that are damaged through everyday use (e.g. sports equipment)
  • Things stolen from cars or vans, unless they’re out of sight and someone had to break in to find them. (So a handbag that’s locked in the boot and can’t be seen from the street would be covered. But a Tom-Tom that’s there on the dashboard wouldn’t).
  • Pets and other animals.

It doesn’t cover things that are used for business, either, which would include:

  • Business cash, credit or debit cards
  • Tools, even if they’re locked up and can’t be seen.

 

Just Quote Me Personal Belongings Insurance Quotes

You can contact Just Quote Me today to discuss your personal belongings insurance and we can help you find quotes to suit your specific items. Contact us to find out more.

Unique Cover for Special Properties: Stately Home Insurance

Unique Cover for Special Properties: Stately Home Insurance

Every stately home across the UK is unique. Its individual characteristics are what make it so special and if you manage or own a stately home, you’ll be aware of the many costs and financial considerations involved. The beauty of such a property and owning one is a real privilege, but it doesn’t come without difficulties. The unique and special nature of stately properties means very specific and tailored stately home insurance is a must. Many insurance companies simply won’t cover this kind of property, whereas others have dedicated heritage and historic buildings teams who specialise in exactly that.

What is a Stately Home?

This question can be a tricky one to answer. The term “country house” and “stately home” are often used interchangeably. Historians in particular are wary of using such terms. However, some country houses have an appearance which is designed to blend in with the surroundings. Others have a grand and “stately” appearance giving meaning to this title. Almost all country homes, listed buildings and historic properties need specialist insurance of some kind.

Stately homes often have special considerations to keep in mind when it comes to repairs. Specialist insurers understand this and will be able to work with you and approved surveyors where necessary, to ensure any repair work or fixing damage is done to the specifications provided in any listing documentation or similar. Traditional building methods may be necessary to ensure the heritage of the property, for example.

What does Stately Home Insurance Cover?

Stately home insurance mostly pertains to the building and outbuildings that make up your property. Insurers will look at the risks and costs involved in repairs due to said risks. Stately home insurance usually covers your buildings, land and contents, including specialist features of your property.

If your stately home is also a business and you use it in this context, you will also need additional insurance in place. If you have operations that are open to the public, you will need additional liability insurances. What’s more, if your property is used for fishing, shooting or similar activities, you can get cover for this too.

Compare Stately Home Insurance with Just Quote Me

Stately home insurance is a very specialist type of cover. With this in mind it makes sense to work with people who have experience in this field to find the best quotes for your property. At Just Quote Me we specialise in helping people find and compare quotes suitable for their home or business.

Explore Stately Home Insurance Quotes Online:

Visit our online Quote System or call us for FREE on 0800 084 2325

Shop Around for Affordable and Reliable Thatched Home Insurance

Shop Around for Affordable and Reliable Thatched Home Insurance

Living in a thatched property comes with many benefits. You can enjoy a beautiful atmosphere like no other and the unique nature of your home makes it a talking point. However, investing in a property with a thatched roof does come with some additional concerns and requirements. Properties with thatched roofs need very specialised home insurance. This is to ensure the roof is fully protected and covered by the insurance. Thatched home insurance is specialised due to the additional risks of having a thatched roof.

Should a problem occur to a thatched roof, the costs to fix it are much higher than a regular roof. Insurers of thatched homes also expect you to provide evidence that the roof is properly maintained and risks are kept to a minimum. Another additional point to keep in mind is that most thatched properties are also very old and many are listed buildings, and this too, comes with additional insurance requirements. Should something in a listed building be damaged, the owners are legally required to return it to as close to its former state as possible.

Choosing Thatched Home Insurance

When you have a thatched roof the number of insurance policies you have to choose between is limited. This is when you compare your choices to regular home insurance. You should also be prepared for it to cost more than regular home insurance. However, there are a number of providers so you can still look at different options and find the right cover for your property. It is also essential you do all you can to minimise the risks a thatched roof comes with, as your insurer may ask for evidence of this.

Minimising Fire Risk and Other Thatched Roof Concerns

Thatched roofs are more likely to be a fire risk than regular roofing. It is important, therefore, that you put additional fire precautions in place including:

  1. Electrical wiring and chimney checking provided by professionals
  2. Have fire-resistant barriers and fire-retardant spray on your roof
  3. Position smoke detectors both in the roof space and around your property

Other common risks of thatched properties include bird and rodent infestation. Winds can also pose a risk if the roof is not properly maintained. It is important to have a regular maintenance schedule. It is also helpful to find and work with experienced professionals should you need repairs.

Thatched Home Insurance Quotes

At Just Quote Me we help many homeowners, including those in specialist properties, find the right cover for their home. We can talk through different quote options and help you to compare the range of thatched home insurance quotes available.

Compare Insurance Quotes Online with Just Quote Me

You can compare the range of thatched home insurance quotes with Just Quote Me today. Use our online quote form or call us on 0800 084 2325 now.

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Considerations to keep in mind when choosing Home Insurance

Considerations to keep in mind when choosing Home Insurance

When looking for a new home insurance policy or arranging your insurance for the first time, there are some considerations to keep in mind. Exploring home insurance quotes online is a great place to start so you can get a good feel for your options and at Just Quote Me we can help out too. First though, keep these considerations in mind so you can make the right decision when exploring your quotes.

Building and Rebuilding Costs

As a homeowner, buildings insurance is almost always a necessity. Most mortgage companies will not approve your application without buildings insurance in place. It provides protection should something terrible happen to your home such as flood or fire damage. Buildings insurance requires you to estimate the rebuild cost of your home. It is best to get expert advice for this to ensure you do not overestimate and end up paying too much for this part of your insurance.

Contents and Valuables

Working out how much home insurance you need is essential for getting the right amount of cover. We can help you with this and there are various contents calculators online too. Underestimating your contents value can be devastating should you need to make a claim.

What’s more, if you have specific valuables then they may need specific insurance such as valuable items cover or gadgets cover, dependent on the items in question. If you itemise your contents clearly, you can be sure you have the cover you need. Your policy may also have a single-item limit and you need to check this covers your most expensive possession.

Accidental Damage Cover

Not all basic buildings insurance policies include accidental damage cover, so you should be sure to take a look at all policies in depth before choosing. Accidental damage would cover incidents such as cars crashing into your home or damage to the drains or pipes, or even windows. It is important to check policies in full before committing to anything, so you can be sure you have cover should the worst happen.

Considering your Excess

A higher insurance excess typically means your premium price is lower. This can be useful if you don’t plan to claim for low amounts and are only keeping the insurance in place for significant claims. It is important to weigh up the cost of your excess against the monthly or annual premium you are hoping to budget for.

Home Insurance Quotes with Just Quote Me

Just Quote Me work with many homeowners on a daily basis helping to organise their insurance and talk through their requirements and options. We work with individuals living in regular homes as well as those in specialist properties such as stately homes.

Get Home Insurance Quotes Online with Just Quote Me

You can compare cheap home insurance with Just Quote Me today. Use our online quote form or call us on 0800 084 2325 today.

Why Compare Cheap Home Insurance Online?

Why Compare Cheap Home Insurance Online?

Searching for home insurance online is a normal process for people who are looking to renew their policy and also those who may be looking for their first policy. It can be easy to visit an insurer’s site and just choose the first policy you find. However, taking time to compare cheap home insurance online ensures you get a policy fitting for your home.

What is Home Insurance?

Home insurance protects your property. It protects it against things such as fire, flood and damage to the home and also your belongings. Home insurance combines two distinct covers: buildings insurance and contents insurance. You can buy these separately but it is more common to buy them in a package.

Buildings insurance specifically protects the structure of your house. This includes permanent fixtures and fittings such as fitted kitchens and toilets.

Contents insurance relates to your possessions. It protects personal possessions and valuables against accident, damage and loss, but they usually have to be listed in an inventory.

Information Needs to Compare Cheap Home Insurance Online

When you are looking for home insurance online, some questions will occur regularly. To compare home insurance online you’ll probably need to provide the following information:

  • Specific property details including when it was built, the type of lock on the front door and whether it has a flat roof or not
  • An estimated rebuild value for your home
  • An estimated value of your personal belongings
  • Details of your current home insurance if you have any, including any claims made
  • Number of occupants living in the home

Does Everybody Need Home Insurance?

Home insurance is not a legal requirement. Although you do not need to have it, it is definitely a good investment should the worst happen to your home. What’s more, mortgage lenders usually insist you have buildings insurance. Many lenders will not arrange your mortgage without appropriate buildings insurance in place.

Annual home insurance policies differ from company to company which is why it’s important to compare quotes. Similarly, if you have a special kind of home such as a listed building or a home with a thatched roof, you will need specialist insurance.

Compare Cheap Home Insurance Online with Just Quote Me

You can compare cheap home insurance with Just Quote Me today. Use our online quote form or call us on 0800 084 2325 today.

Homepreneurs Still Need Protection | Invest in Home Business Insurance

Homepreneurs Still Need Protection | Invest in Home Business Insurance

A recent study carried out by Enteprise Nation found there are 2.9m “homepreneurs” in the United Kingdom, adding £40bn to local economics. The benefits for both the country and the individual from those working from home are huge. Once you make the decision to run your business from home though, there are still some boxes to tick. You need to protect your livelihood and one element of this is ensuring you have adequate home business insurance.

Protect your Home Business

Working from home is a privilege for many and something many others wish they can do. However, the semi-casual attitude involved in working from home means sometimes some of the more practical elements of running a business get overlooked. Insurance is one of these elements. Your home business needs as much protection as any other, so it requires home business insurance. Dependent on the nature of business different types of cover may be necessary but working with no insurance at all can be a real risk.

What should my Home Business Insurance cover?

Home business insurance may need to cover many different things dependent on the nature of your business. The first thing to consider is your home and contents policy, which probably does not account for any specific contents relating to your business. Some other common elements of a home business insurance policy include:

Public Liability Insurance

Public liability insurance is essential if you will have clients visiting your home. It covers any compensation which may be due should they fall ill, be injured or their property damaged while at your home. This isn’t a very common form of policy for homeworkers, but it is still worth considering.

Professional Indemnity Insurance

This is the most important kind of cover for home businesses. If your business offers advice or professional services to others, then professional indemnity insurance is vital. It will cover you should a client suffer financial or professional loss due to negligence in your advice or service.

Business Buildings Insurance

As your business is based in your home, it may be wise to consider additional buildings insurance. This ensures that your home is protected financially should a fire, flood or other natural disaster occur.

Compare Home Business Insurance Quotes Today

Just Quote Me works with many home business owners to find the right type of insurance for their needs. Every home business is different and you can compare quotes relevant to your business online using our online quote form.

Compare Home Business Insurance Quotes Online:

Visit our online Quote System or call us for FREE on 0800 084 2325

What Is New Build Insurance?

What Is New Build Insurance?

Building your own home from scratch can be incredibly exciting. In fact, custom build homes are increasingly growing in popularity. To help give protection to home builders whether they work independently or as a property developer, providers offer new build insurance.

New build insurance can provide peace of mind for all new build projects. The policy can begin from the point where an existing property is demolished, or land is cleared to the end of the work. Insurance can be there to provide coverage for accidents, theft or damage.

Why do I need New Build Insurance?

During a new build project, there is a variety of risks. At the beginning of the project, you have liability exposure. When work is underway, there are risks relating to the quality of the job as well as the tools and materials you use.

Insurance will cover the expensive tools, plant machinery and equipment that you need to complete the project. Should anyone steal the tools, new build insurance can cover the cost of replacement, allowing you to continue the project quickly, minimising disruption.

Another aspect of a new build policy is to provide coverage in the event of an accident. New build insurance will include public liability insurance as well as employer’s liability insurance. This means that as the policyholder if any friends, family or third-party contractor suffer damage or injury as the result of the new build project can receive compensation in the event of a claim against you.

New build insurance can be incredibly flexible, so you can tailor the policy to suit your exact specifications. Simply call Just Quote Me for more details.

Do you have questions about New Build Insurance?

Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.

What Is Conversion Insurance?

What Is Conversion Insurance?

A property conversion can be an exciting project to undertake. However, it can also be incredibly stressful and come with a huge range of risks.  Conversion insurance can provide sufficient protection which you are conducting a property conversion project. Whether you are converting a barn, flat, farm buildings or commercial property, having insurance can bring peace of mind.

Why do I need Conversion Insurance?

Conversions will typically be a massive undertaking. Furthermore, they are often undertaken on buildings in a poor condition. Projects are not only expensive, but costs can rise further when things go wrong, or accidents happen.

Having conversion insurance means you have the protection in place for the project duration. It can cover the tools and equipment you need for the conversion which is often an oversight for people. Thieves can pray on construction sites due to the expensive tools that may be available. If your tools are stolen, then you not only face extra costs but a longer, more expensive conversion project.

Another essential aspect of conversion insurance is the coverage for accidents. It is likely that there’ll be many people involved in the conversion. From third-party contractors to friends and family, you’ll want to make sure everyone is safe and protected while on site.

Conversion insurance typically covers both employer’s liability and public liability. This means you can have complete peace of mind that you have cover in the event of an accident or injury.

One aspect of conversion insurance that you may want to include is coverage for legal expenses. This can help with any legal wrangles you may face regarding contract issues and disputes. With this in place, you have the chance of a safer, in-budget conversion project.

Do you have questions about Conversion Insurance?

Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.

Do I Need Renovation Insurance?

Do I Need Renovation Insurance?

If you’re looking to upgrade your home, it can come with risks. Renovations can lead to property damage, mistakes can occur, and issues appear. All of which can be time-consuming as well as expensive to put right. With this in mind, renovation insurance can provide the peace of mind that you need when you’re doing up your property.

What is Renovation Insurance?

Renovation insurance is a type of property insurance that can provide protection for the home while it is being upgraded and renovated. The insurance can cover the existing structure as well as the materials and new work completed. Renovation insurance can also cover the tools, equipment and plant machinery on site during the completion of the work.

Is my Builder’s Public Liability Enough?

Most reputable builders will have public liability insurance. However, in order to make a claim on their insurance, you need to prove their work was negligent. This can often be difficult to determine and can take an incredibly long time to process.

What’s more, many people undertake their own renovations or get family and friends to help. In which case, any damage caused to the property or people on site would not have insurance. Regular home insurance policies do not cover periods of renovation. When people have the potential to suffer harm or injury from home improvements, then having renovation insurance will mean you have the necessary protection. It means you can cover the cost whether you are defending or pursuing a claim.

When considering the cost of renovations and the additional costs if work suffers damage by fire, flooding or storms, the small sum for renovation insurance can undoubtedly pay off in the long-term as well as providing much-needed peace of mind during a usually stressful time.

Do you have questions about Renovation Insurance?

Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.

Holiday Home Insurance

Holiday Home Insurance

If you enjoy time away in your own holiday home, then you’ll need holiday home insurance to protect it if anything goes wrong. Holiday home insurance protects your getaway when you are staying there, and when you not.

A holiday home is vulnerable to the same risks as your own home. It may suffer from flooding. Alternatively, it may suffer from roof damage. As well as the building of your holiday home being at risk, the contents may also be at risk of damage or theft. Your holiday home insurance is there to protect both your buildings and contents.

Why Do I Need Holiday Home Insurance?

While holiday home insurance is similar to a standard home insurance policy in what it covers, there is a critical difference. Standard home insurance policies will be invalid if the property is empty for over 30 days a year. Your holiday home is likely to be vacant for 30 days in a year, which will mean it needs a specific insurance policy to ensure it remains valid.

If you also rent out your holiday home, then your insurance policy will need to cover this aspect of your business. You can tailor your holiday home insurance to your needs. As well as covering your contents and buildings, it can also include the loss of rent and public liability too.

What Can I Include In Holiday Home Insurance?

Building cover is usually part of the policy as standard, but other aspects you may see in a policy include;

  • Contents insurance
  • Emergency travel cover
  • Personal possessions insurance (for items that you store outside of the home)
  • 24-hour helpline.

All policies will vary in what they offer. It is essential to state exactly what you want your plan to include and also read the small print carefully.

Do you have questions about Holiday Home Insurance?

Call Just Quote Me for FREE on 0800 084 2325 or get a quote online using our Quick Quote Form.

Compare Home Insurance

Compare Home Insurance

Home insurance is a significant investment which cannot be avoided. Your home is probably the most expensive thing you own and therefore it needs and deserves protecting. The right home insurance is entirely dependent on the type of property you live in and what you want to spend. Comparing the home insurance market helps to ensure you get the best value policy for your needs.

You will find great variation in what home insurance policies offer so taking the time to go through a proper comparison ensures the best product for your circumstances. You can compare home insurance with Just Quote Me with ease.

What is Home Insurance?

It probably seems like a very basic question but there are different elements to a home insurance policy.

Buildings Insurance

Buildings insurance is cover for the physical fabric or makeup of your home, including its fixtures and fittings. It protects this part of the home against disasters and events such as fire, storm and flood. Almost all mortgage providers will expect you to have buildings insurance before giving you approval.

Accidental damage and unforeseen emergencies are not usually covered by standard buildings insurance. You may need to look into home emergency cover as an addition to your regular policy.

Contents Insurance

Contents insurance refers to cover for your possessions within your home. The things you take with you when you move into a new property such as your furniture, kitchen appliances, home entertainment systems and similar. It will also cover valuables up to a stated limit.

As with buildings insurance, contents insurance varies from provider to provider. Not all people choose to have both policies together, but this is a common option. When you compare home insurance you can look at the best value way of getting both types of insurance.

Compare Home Insurance with Just Quote Me

Just Quote Me has provided guidance and quotes for home insurance to many people. We can help compare home insurance quotes to help you find the right one for your property. Get in touch today or fill out our callback form to hear from one of our advisers very soon.

 

 

Why Do You Need Specialist Holiday Home Insurance?

Why Do You Need Specialist Holiday Home Insurance?

Many people in the UK have a second home or property used for holidays and breaks away from it all. As a home in its own right, many think standard home insurance is enough to protect their second property, but this often isn’t the case. Holiday homes require unique holiday home insurance cover, as there are caveats to second homes which differ from your main property.

Standard home insurance usually excludes properties which are empty for 30 days a year or more. In the case of holiday homes this is almost always true which is why specialist holiday home insurance is necessary.

Holiday Home Insurance Cover

Holiday home insurance should provide the same protection as regular home insurance. Buildings cover will protect you against the cost of repairs and rebuilding should it be damaged due to fire, storm, flooding and/or related subsidence. Holiday home insurance policies may also include:

  • Emergency helpline and travel cover
  • Personal possessions cover
  • Contents cover

This is the case both abroad and in the UK. Be aware costs of premiums will vary dependent on the location of your holiday home.

It is important to look closely at policies as holiday home insurance often have exclusions. These include exclusions for properties which are on long-term let, have solar panels and those which have watercraft or boats within the boundaries of the home.

Holiday Letting Insurance

Things change for your holiday home if you let it out when not using it yourself. If you’re planning on letting your property then you’ll need further elements to your holiday home insurance. These include covers such as public liability protection, protection against loss of rent and accidental damage cover. You may also want additions such as alternative accommodation cover should an emergency situation occur and employer’s liability insurance if you employ people to work at the property such as cleaners, concierge or similar.

At Just Quote Me we work with many different property owners. We recognise holiday home insurance can be confusing for homeowners and we’re only too happy to help. Get in touch today to discuss your circumstances and cover options.