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HOMEOWNERS INSURANCE

Homeowners Insurance or Property Insurance is often mixed up with Household Insurance, but they are two totally separate issues and both as vital as each other. Property Insurance is the actual cover of your building, the walls and roof of your home, rather than the contents. But why would you ever need homeowners insurance?

While there are many strict regulations associated with the home building industry, we often see circumstances where properties have been built on land which may be liable to water logging, subsidence or even be above old mine shafts (sink holes). These situations can often be surprising to the property owner as they can be very costly – especially if the original builder is unwilling to assist and you have no homeowners cover!

If your home was ever to experience any form of subsidence you would normally see a major reduction in the value of the property, and possible problems with your mortgage company. Homeowners Insurance is there to offer a safe guard against these unlikely events, and can often take away the substantial cost of repair work – if it is at all possible – or issue some form of compensation to you.

While these situations may sound very far fetched to many people, they do happen and can completely ruin a home owner if cover is not in place. Even though there may be instances where the builder may have been negligent, finding the builder and getting financial assistance can be a very long and often unrewarding experience.

So our tip for homeowners insurance cover would be, READ the fine print and get QUOTES from more than one broker before accepting the offer!

STANDARD INSURANCE POLICIES

Business Insurance Policies
Competition Insurance Policies
Courier Insurance Policies
Credit Card Insurance Policies
HomeOwners Insurance Policies
Life Insurance Policies
Mobile Phone Insurance Policies
Mortgage Insurance Policies
Personal Injury Insurance Policies
Pet Insurance Policies
Public Event Insurance Policies
Public Liability Insurance Policies
Travel Insurance Policies
Van Insurance Policies

SPECIALISED INSURANCE POLICIES

Celebrity Insurance Policies
Exotic Pet Insurance Policies
Sports Star Insurance Policies
Wedding Insurance Policies
White Good Insurance Policies