For expensive homes and contents, consider high value house insurance

If you live in a high value home or have expensive items within your home such as art, jewellery and ornaments then you will want to take out a specialist insurance policy which will protect them in the event of damage or theft. Find out more about these special policies today and how they will give you complete protection.

Your home is the most important place in the world and, over the course of a lifetime, is somewhere you'll end up filling with sentimental objects as well as things which are probably worth a lot of money, which means that you'll need a good level of insurance to cover it. These contents might be things like valuable jewellery and ornaments as well as technology and art pieces amongst other things. On top of this there might be features of the actual house itself that means that it is a high value building, such as original hardwood flooring, stained glass windows, an ornate fireplace and more, all of which are features that you'll want to protect.

Typical home insurance policies may not cover contents and features of the home that are of such high value, so if you live in a relevant home then you will want to take out a high value house insurance policy as this will cover you and protect you from dangers like theft or fire. These specialist policies can cover the contents or the house itself, or you may be able to get separate policies to cover both of these also.

With so much value both sentimentally and financially in the home you will definitely want to protect your home and give yourself peace of mind, so take out a high value home insurance policy today.

House insurance subsidence policies for homes with a history of subsidence

Many homes around the country have a history of subsidence where the property sinks into the ground, and this can cause all kinds of structural problems. If your home has a history of this or if you think it may be at risk then you need a special policy to protect your home from subsidence.

Any home around the country which has a history of subsidence or is showing signs of subsidence need to be properly insured, and regular home insurance may not cover this, even if it happened several years ago. Subsidence is essentially where your home moves or sinks into the ground and is something that could potentially happen to any home which is built on a clay soil, as clay shrinks when it dries. If you know that your home is built on clay then you need to be vigilant, and this includes looking out for signs that subsidence is occurring, such as cracks in the wall which will be visible both inside and outside the home.

Another way you can be vigilant as a home owner is by taking out a house insurance subsidence policy and, whilst this will be expensive it is also necessary to protect your home and cover the costs of any damages that may occur due to subsidence. It is important to know when subsidence occurred before (if it did), why it happened and how it was fixed, because this information can help specialist insurance companies to assess your home. The answers to these questions may need to be provided through the proper documentation such as structural engineer’s reports, home buyer reports or a certificate of structural adequacy.