Many insurances company basically will only include standard policy in home contents insurance terms and condition. However, customers sometimes can ask for extra service or policies to be included in the clauses. Although most of clauses will cover home and its contents, people are sometimes careless around the house that may cause damage or loss of their own properties. Insurance usually covers home, garage, drives, patio, roof and other fixed properties. However, non-permanent properties such as carpets and furniture can be included in the clauses of policy. Customers can also ask for additional policy to covers accidental damage around the house.

However, before you are able to ask for accidental damage cover, an insurance staff will usually assess your characteristics and valuable properties around your house. The damage that will be covered by accident also includes buildings and their contents. For buildings, extra accidental damage covers accidents like drilling into a pipe or cable or putting your foot through the loft floor. On the other hand, contents that will be covered usually include accidental breakage of items like vases and ornaments, as well as do-it-yourself disasters like spilt paint on carpets or furniture. If you think that you will meet this accident around your house, you should consider asking the extra accidental policy.

You can ask for contents insurance quote and extra accidental damage cover to insurance company and ask them to discuss the best option that will suit with your lifestyle and financial condition.

Myth No. 1: Home insurance covers damage from flooding standard.

Fact: The standard household insurance does not cover damage caused by floods. If you think you need flood coverage, you need a separate flood insurance.

Myth No. 2: The share of health insurance pay my homeowners have caused damage to my family and me.

Reality: Medpay, a common feature of standard home insurance is there to protect you if someone you or your family (a neighbor, friend, etc.) is injured on your property and do not want to pursue. Medpay cover is usually covered up to $ 1,000 for every need someone outside the family. If you or your family but is injured on your property that are not covered by your insurance.

Myth No. 3: If my house is lost, my insurance company to reimburse me for what I told them, they have to tell the time of loss.

Reality: covered in the event of a loss by your insurance company will ask you a list of everything you need to include specific details such as the purchase price, purchase date, to make include number series, etc. (Imagine trying this to be done from memory !) The best way to avoid this is to take stock of your house have already assembled. Use a list, as follows from: http://homeinsurance.com home insurance inventory list. Make sure you include photos, receipts, serial numbers and all that will help you prove ownership. Do not risk not replaced with a disaster. Make sure you keep your inventory in a safe, fireproof or a friend, then who else is there when you need it! (more…)