PROMOTIONAL FEATURE PROTECT YOUR HOME


Make sure your policy is right f Are you sure you’re insured?


for you with the help of the experts


When choosing home insurance, we often go for the quickest or cheapest option, hoping for the best. Whilst this approach might seem convenient, there’s a risk of rushing and not considering the quality of cover or the actual value of our possessions.


In reality, insurance is far from a one-size fits all scenario. Glenn Brown at NFU Mutual Henley in Arden explains more.


“Underinsurance means the amount you’re covered for is less than the cost of rebuilding, replacing, o


g, , or repairing.”


realise this until they come to make a claim To be ‘underinsured’ means that the amount you’re


“Estimating the value of our homes and contents isn’t something we do regularly, but inaccurately calculating the rebuild cost or the total value of your contents could leave you open to the risk of being underinsured. And unfortunately, most don’t aim. ”


covered for is less than the cost of rebuilding, replacing, or repairing. For example, if you had a fire at your home and the value of your contents is stated at£70,000, but the actual cost to replace your contents is £150,000.


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It’s particularly important that those who live in larger homes or have many expensive items perhaps jewellery and watches, fine art or collections, and tech are mindful that standard insurance may not fully protect them or include features such as agreed values and access to specialist repair/replacement services.


So how can you avoid underinsurance?: • Try and account for anything you would need


to replace in event of a claim – include things like soft furnishings and furniture, as well as the more obvious high-value items like technology.


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• Estimate the cost as new, rath you paid.


rather than the price


• Consider whether the value has changed for any items such as antiques or art collections.


• Don’t forget items in storage or at the bank. • Check your policy for any set limits for


valuables and single items such as jewellery • Review your cover regularly and if you’re


ery unsure, talk through with a professional.


To find out more about NFU Mutual and our Bespoke home insurance for high-value homes and contents, contact; Glenn Brown at


NFU Mutual Henley in Arden on 01789 333228 or email Glenn_Brown@nfumutual.co.uk


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Jonathan P Bird is an appointed representative of The National Farmers Union Mutual Insurance Society Limited (No. 111982).


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