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Decking protected outside? Protecting inside the home through contents insurance
Timber decking can make all the difference to your garden, creating the perfect space to enjoy the sun - when it finally makes an appearance - during the fickle British summer. After spending on timber decking, you will of course take the necessary measures to protect your new investment with a suitable wood treatment. New projects like decking are easy to invest both time and money in, as the tangible and exciting change to your home is an obvious motivator. On the flip side, it can be quite easy to ignore the more mundane aspects of looking after your home, like securing effective contents insurance.
Contents insurance is of course available from a variety of providers such as Legal & General, and the size of the market can make the task of selecting the most suitable product a bit daunting at first. Unlike timber decking, it can be difficult to appraise the product at first glance when it comes to contents insurance, as like all insurance the policy is a complex legal document.
That being said, the first step is to narrow the field of options through a quick look at policy summary. There are two maim ways to approach contents insurance. The first is to look for a comprehensive policy that covers a variety of scenarios, from accidental damage to loss and theft. The second is to find a basic contents insurance policy to be invoked in the worse case scenarios, leaving you to cover the cost of accidental breakage and other minor events out of your own pocket. The comprehensive contents insurance will of course be more expensive. The basic policy will have lower premiums, freeing up more funds for repairs when necessary, or home improvement projects like installing timber decking.
Whichever approach you take, it is essential to have an accurate picture of the value of your household contents. A recent survey found that a huge proportion of UK households, as many as nine out of ten, have inadequate contents insurance cover. The problem of setting an insufficient cover limit when it comes to contents insurance seems to be on the increase over the last few years, and can unfortunately lead to a nasty surprise in the event of a claim.
There are several reasons for the current underinsuring trend. A massive increase in the value of gold and silver jewellery is one. The ever expanding number of expensive personal electronic goods in the average household over the last ten years or so is another. Thankfully, you’ll now find plenty of help when it comes to assessing the value of your contents through some of the self same high value devices. A quick look online with the laptop and you’ll find wizards which can help you make short work of compiling a sum total for the worth of your contents. Make sure that you take enough time to be as accurate as possible with this assessment, as a successful claim on contents insurance is all about having an adequate sum insured.
This article has been provided to us by third parties and is provided in good faith for information only.
