What needs to be covered?
High Value Home Insurance FAQs -
What exactly needs to be covered?
So far as high value buildings cover is concerned, you need to consider the home in its entirety, including its permanent fixtures and fittings, any outbuildings, garages, drives, patios, paths, fences and gates. Your cover should also extend to permanent swimming pools, tennis courts, and fixed fuel tanks, underground service pipes and any cables for which you are legally responsible. It’s also important to allow for the cost of removing debris, and any professional fees associated with a major loss.
Contents cover comprises everything you could take with you if you were to move home. It’s wise to go through every room making an inventory of each one’s contents, including items in cupboards and wardrobes. Remember to make a note of items in the loft, the garage, the shed and the garden. Satellite dishes or aerials are considered to be an extension of the television and are therefore covered under your contents policy.
