Home Insurance - All Shook Up!

The recent earthquake that shook the UK in February of this year can be seen as an example that anything can happen in the world, if unexpectedly.

Whilst such incidents are rare in this country, it still managed to cause damage - resulting in an estimated 10 million worth of damage to vehicles, homes and businesses across the country.

For those affected by the freak quake, the advice is to check with your home insurance provider to see if you have suitable cover. Any structural damage should be immediately reported to your house insurance provider, keep a record of all damage and note all repair cost quotes, especially if your property has been deemed unsafe to live in as a result.

Should any of your property have suffered damage as a result it is advisable to take photographs of affected items and vehicles for the purposes of your claim. In the case of vehicles, double-check with your provider to check if your policy will cover any damage caused by the quake - although those on third party, fire and theft policies are unlikely to be successful in their claims, as such policies don't usually cover natural disasters.

Despite the UK's low risk level for earthquakes, homeowners still need to ensure that their house insurance is adequate to cover these rare occurrences. Policies, after all, are safeguards against disaster, be they natural or man-made.

Whilst we cannot predict when such incidents will happen, ensuring you have the right cover if something should happen is extremely important. Here are a few handy tips for ensuring you are covered in the event of your property being affected by disaster:

• Ensure that the total value of your property is kept up to date - and contact your provider in the event of home improvements on the property.
• Keep an updated list of possessions in the property, and let your home insurance provider know of any significant purchases that could affect your contents cover.
• Check that your possessions are covered by 'new-for-old' cover - which can help recover the value of or replace lost and damaged items. Keep in mind, however, that most providers may not offer this sort of cover for certain items over five years old.
• Be sure that you have good security features on the property - including deadlocks and alarms - not only will they help protect your property, but by reducing the risk factor you could help bring down the cost of your premium.
• If you live in an area prone to flooding or other environmental factor, be sure to let your insurance provider know about it, as failure to do so could affect any future claims due to unexpected circumstances.
• Shop around for the best deals, be sure to compare cheap home insurance policies and to not rush into a decision, for different policies may offer differing levels of cover.

Looking for cheaper home insurance? Compare a range of house insurance providers to find a cheap home insurance deal that suits you.

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