At Home With Lorraine Kelly 2017 - 117
Things to consider
ARE YOU LOOKING TO
MAKE ANY STRUCTURAL
CHANGES OR IMPROVEMENTS
TO YOUR HOME?
Making amendments to your home,
whether a basic upgrade or an
extension, may require notifying your
insurer or even setting up a tailored
policy. Homeowner's liability also needs
to be taken into consideration.
HAVE YOU PURCHASED A
SECOND PROPERTY WITH
A VIEW TO LETTING IT OUT
econd properties often need specific
cover to match the risks associated
with renting. It is also important to
make sure you are not only covering
your second property against the usual
perils, there is also the risk of loss of
rent, malicious damage from tenants
plus other liability issues that could arise
from your property.
HAVE YOU PURCHASED
A PROPERTY AS A
Buying a property you're looking to
restore can be difficult and you may
find insurance for these pro ects is not
as easy to obtain as you thought. Not
only ill a restoration pro ect mean a
lot of hard work, including your time
on site, but such pro ects also tend to
be unoccupied, often requiring a
specialist insurance solution.
nsurance is o en only valid
for the claims where access
has been gained using forced
entry, so if you leave a window
open and get burgled, you re
DO YOU RENT
ONE OF THE
ROOMS IN YOUR HOME
ON A TEMPORARY BASIS?
You'll certainly need to advise your
insurers of this, while you need to make
sure you are correctly covered under
your home insurance. ou ill find
you may need an insurer who can cater
for it being your permanent home
along with paying guests.
DO YOU OWN A HOLIDAY
HOME EITHER IN THE UK
If so, it's important it is correctly
covered for anything that could happen.
Most holiday homes are generally not
visited as often as your main home,
which a specialist insurer will be able
to cater for. This longer 'unoccupied'
time may be a problem for the normal
insurer and they may impose unrealistic
terms and exclusions to your policy.
LEAVING THE PROPERTY
UNOCCUPIED FOR A
PERIOD OF TIME?
f you find yourself in the situation
where you are going to leave your
home for a length of time, make sure
you have the correct insurance in place.
Most general insurers will only allow
your property to be unoccupied for
30 to 45 days at a time and, if it goes
beyond that, may reduce the level
of cover do n to ust fire, lightning,
explosion and aircraft (FLEA), so if
you're concerned about burglary,
water damage from leaks
or any other perils that
could occur when you're away,
make sure your insurance is geared up
to provide you with that peace of mind.
Help is at hand
Highworth Insurance is a family-run
insurance company based in Poole,
Dorset. Its account managers are
highly trained specialists, who are on
hand to look at each situation on a
case by case basis, ith the ob ective
of finding you the best solution at a
They specialise in placing the
Home works properties - where
improvements or structural changes
are being made
Second properties and holiday homes
igh value homes, e ellery, orks of
art and collections
FOR MORE INFORMATION
Call 01202 937041