28.02.2016 Home Insurance
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We all know that home insurance is an important part of protecting your property and your belongings, but did you know that it can be used to also protect certain items?
Naming certain high-cost items in your policy or ensuring that your policy already covers everything you want to protect could help reduce costs should anything get damaged. Rather than having to pay out hundreds of pounds for repairs or replacements, your insurance could deal with it.
But what extra items could you name in your home insurance policy for extra protection? Here are seven things that you may not have considered before:
Not only are TVs getting bigger, they are also getting more expensive. When you factor in the extra technology that goes into making smart or 3D TVs, there's a lot that can go wrong, as well as a lot of extra costs when it comes to repairs.
If you have an expensive TV, you should ensure it is named on your home insurance from the start. Whether it simply breaks one day or gets damaged by your family, having the extra cover from the day you set it up could help save you the money and hassle that comes with repairs or replacements.
It is also a good idea to ensure any expensive computer monitors are covered for the same reason.
Fridges and freezers
Those who have large or high-tech fridges and freezers know how important they are for keeping food at the ready for your family. But what happens if your fridge or freezer breaks?
Not only will your food spoil, it can also cost huge sums of money to repair even the smallest part. Luckily, you can insure your fridge and freezer on your home insurance. In fact, you may even be able to tailor your policy to cover the food that gets ruined should the appliances break down.
This will reduce your expenses and mean that your fridge could be back up and running in no time at all, causing minimal disruption to your family.
Just like fridges and freezers, a broken oven can cause a lot of problems. There are a number of things that can go wrong with your oven, some of which you can deal with yourself.
However, if something big or highly technical breaks, you'll be stuck having to pay for parts and labour, if not a whole new oven. Save yourself the trouble and expense by ensuring your oven is covered on your insurance - especially if it is new.
Washing machines and tumble dryers
You may think that you'd be able to cope without a washer or dryer for a while if it were to break, but after only a few days of dealing with a laundromat or allowing washing to pile up, you're sure to be tearing your hair out.
From heating coils to motors and water valves, there are dozens of things that could break or go wrong with your washing machine or dryer, many of which will have a knock-on effect on other parts causing more problems.
Take the stress out of the situation if yours fail you by arranging adequate cover.
No one wants to have to go back to the age of washing all their dishes by hand after enjoying how much easier it is to simply load a dishwasher, but that's what will happen if your dishwasher breaks and you don't have the spare funds to get it fixed.
It may seem like a small thing, but washing dishes by hand can add hours onto your day, which could be spent doing much more enjoyable things. However, your insurance policy could get your dishwasher up and running again in no time, but only so long as it is covered!
Computers and laptops
Whether you use your computer or laptop for work, leisure or both, if it gets damaged or simply stops working it can cause all manner of problems. Even those who are good with computers won't be able to sort out every problem and sometimes computers are beyond saving.
They are also likely to be some of the most expensive items in your home, which can cause all sorts of problems.
Insuring your computers as named items on your insurance policy will provide you with extra protection and peace of mind. If you have a laptop, you may also want to see what options you have for insuring it when you're out and about.