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Check the home insurance this summer

The summer seems to have finally got here and what with the sun making an appearance so far this year there is absolutly no reason why you cannot spend some time and money on the garden this year. It’s all down to the garden centre to waste loads of money on fancy new benches, BBQ’s and all the rest of it but with all that in mind have you forgotten about the home insurance as this is a very important thing to have especially during the summer months as you may find that some of your things are not covered to how you would like them to be so it is worth taking a good hard look to see just how good your insurance is.

The garden is in fact a major weak spot when it comes to home insurance as the things contained within it may not be in your current insurance deal. This is really important when going ouit and buying really expensive garden equipment as you certainly need to know if you are insured.

There is of course two different ways the home comes under cover. The two are buildings insurance and contents insurance and they are both put into place to cover two different parts of the home. The building part is there to protect the structure of the building itself from a fire for example. However the content protects you from general belongings such as clothing, jewellery, games, electrical items and furniture. It is also important to note that there also something else known as home emergency insurance that covers you in the case of a burst boiler, pests and other similar things.

Many insurance policies will not cover you for garden items so it is always good to check the fine print as garden benches, swings and other such things can be very expensive to buy. It is also important to check and see whether or not your buildings insurance will cover things like outside fencing, greenhouses and sheds as insurance companies will always try to find a way round paying out.