Page 35 - Mercer Hughes Real Estate Group

All insurance policies are different and you should always carefully check the fine print to make sure you know what you have covered, but in general:
• Look for a policy that will cover you for fire, wind, hail, explosion, smoke damage, and damage that has been caused by criminal activity such as vandalism.
• Buildings insurance will cover the structure of a property including floors, painted walls, fixtures, and fittings, which are things such as radiators, baths and shower heads.
• Contents insurance will cover all the items within your home: laptops, electrical items, furniture, jewelery, pictures and so on. Some policies will also cover bicycles and mobile phones.
• Contents insurance will also cover fire and burglary. It can also cover accidental damage
and theft of items when you are away from your home. It will either pay for a replacement of your items or the market value of your item.
Your home insurance policy documents might not be the most gripping read, but it’s best to check your policy so that you know and understand what you are covered for, what is excluded, and also what your rights and responsibilities are. Like most things, it is best to check anything you are unsure about or do not fully understand from the outset, rather than risking any problems further down the line if you need to claim.
Home Buying Guide
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