Whilst our home may be our most valuable possession in life, it is certainly not our only important one. When you take a look through your home, you'll see a collection of belongings which help you to define your day to day life. Your television set, blu ray player, personal artwork, jewellery, decorations and so much more. All of your possessions can be protected quickly and easily with affordable contents insurance through Hood Insurance Brokers (members of Spratt Financial Group).
There are two main options for contents insurance that will insure the value of your belongings against unforeseen events such as burglary, flooding, fires or natural disasters. Your contents insurance policy can also include a number of optional benefits, a selection of which are described below.
Premium contents insurance
A premium, comprehensive contents insurance policy can cover the repair or replacement of all your most valuable possessions. This can include items you may have in storage, protection of items in transit and even some items you may have with you while travelling overseas. This can also protect money you could lose if your credit or debit cards are lost or stolen and used fraudulently by the offending party.
Cost effective contents insurance
A more basic and less comprehensive contents cover with more cost effective premiums. This form of cover is best suited for those whose contents are less valuable, less exclusive or those who wish to have some form of protection but cannot manage the more comprehensive policy premiums. If you don't know which option is best for you, the team at Hood Insurance Brokers offer a free consultation, and we can let you know which option would work the best for your unique circumstances.
Renters contents insurance
If you live in a rental property or flat, renters contents insurance is almost a necessity. Not only will it secure the value of your possessions, it will insure you against any claims for damage brought against you by your landlord. Sometimes, the insurer will initiate action against you as the cause of damage to recoup their lost funds, bringing about a potentially costly financial situation. Having renters insurance can protect you against both the initial damage caused and any action brought against you by the homeowner's insurers. Renters insurance is generally inexpensive and offers great value, so we urge you not to hesitate. Hood Insurance Brokers can get you the best deals available right now.
A selection of benefits are listed here. This list is not exhaustive, so please enquire with us directly if you have any questions. If added to your policy, generally a small increase to your premium will apply.
House Under Construction or Alteration
This benefit protects you against damage that may occur while your house is under construction or if it is undergoing significant alterations.
Covers items within property from which you receive some sort of financial return.
Contents of Fridge/Freezer
In the case of malfunction, breakdown or destruction of your refrigeration unit, this benefit will replace your spoiled food contained within.
Keys and Locks
Pays the cost incurred to replace keys and locks that have been damaged, lost or destroyed.
Temporary Accommodation Expenses
If your house is rendered uninhabitable, this benefit will pay for your temporary accommodation expenses until repairs have been completed or your claim has been paid. Sometimes, this will also include kennel or cattery fees for your household animals.
If in possession of an up to date valuation dated prior to the loss, this benefit will go some way to recuperating the value of your lost and stolen jewellery.
Spectacles, Contact Lenses, Hearing Aids and Dentures
If you suffer accidental damage or loss of these items and a claim is accepted, this will pay for the replacement or repair.
If you require contents insurance, we can design an insurance package for you that will fit your needs at the most competitive price. We will also offer unmatched ongoing support, including professional staff on hand for any form of assistance, as well as claims management during your most stressful times. We can outline a policy with all the features you need and none that you don't. Your possessions need protecting, and it doesn't have to break the bank. Contact Hood Insurance Brokers for more information or a free, no obligation quote anytime.