Home Insurance

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Gario
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PostHome Insurance
by Gario » Mon Feb 03, 2014 12:44 pm

So I've never had it. And yes, I've been burgled once. Luckily, it was a shared house and nothing of mine was stolen. Now that I'm living in a decent place at last, I think it's time to be an adult and get some home insurance. How much do you guys pay monthly? I've just put my details through a price-comparison site and I was surprised to learn the prices start from a fiver a month.

I don't own many things of value. Mainly it's my Blu-ray collection, TV and games consoles I'm worried about, as well as mine and my partner's iPhones. Not much else.

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Pedro
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Location: Leeds

PostRe: Home Insurance
by Pedro » Mon Feb 03, 2014 2:56 pm

I've got £50,000 worth of cover. It's about £13 a month and I simply wouldn't want to be without it. The cover is quite excessive, but was a hangover from when I shared a house with two others who also owned a large number of electricals (so 3 large LCD TVs, game collections, etc, etc). I collect quite a large amount of "stuff" - records, games, DVDs/Blu-Rays, screenprinted art and lots of electronics as well. This stuff as a collection soon adds up to a large value of money. It just seems like a sensible expenditure.

Seeing as my grandparents were robbed and the whole house vandalised when I was younger, I'm probably overly cautious about this.

However if I did ever get robbed, I want to feel like Brewster's Millions as I go and drop a gooseberry fool ton of money on new gear.

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Gario
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PostRe: Home Insurance
by Gario » Mon Feb 03, 2014 3:31 pm

I think my partner and I have less than £2,000 worth of stuff between us.

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Lotus
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PostRe: Home Insurance
by Lotus » Mon Feb 03, 2014 4:11 pm

Are you talking about building and contents insurance? Or just one of those?

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Gario
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PostRe: Home Insurance
by Gario » Mon Feb 03, 2014 4:37 pm

Lotus wrote:Are you talking about building and contents insurance? Or just one of those?



Don't think I'm interested in building insurance as I rent from a landlord and assume he already has that. In any case this isn't my problem as a tenant - or is it?

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darksideby182
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Location: cove grove

PostRe: Home Insurance
by darksideby182 » Mon Feb 03, 2014 4:52 pm

Gario wrote:
Lotus wrote:Are you talking about building and contents insurance? Or just one of those?



Don't think I'm interested in building insurance as I rent from a landlord and assume he already has that. In any case this isn't my problem as a tenant - or is it?

All you need is contents insurance then.

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Xeno
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PostRe: Home Insurance
by Xeno » Mon Feb 03, 2014 7:21 pm

Landlords have to have Building insurance for the properties they let, you just insure your gooseberry fool.

Falsey wrote:
Xeno wrote:Chewing takes effort. What he needs is Emma Watson to chew his food then transfer it to him for him to swallow.

I dont know why, but that sounds strawberry floating incredible.

Wuijibobo wrote:You're a funny man Xeno. I like you... That's why I'm going to kill you last.
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Mommy
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PostRe: Home Insurance
by Mommy » Tue Feb 04, 2014 3:32 pm

You have more than 2K worth of gear Gario. We are talking about replacing all your stuff, pots, pans, games, tellybox and other bits and bobs.


Think catastrophe. Think of a gas explosion and having to start from scratch.

I have officially retired from international football.
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Joer
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Joined in 2008

PostRe: Home Insurance
by Joer » Wed Feb 05, 2014 7:01 pm

The was I explain it at work, is if you take the roof off your house, tip it upside down, everything that falls out (and carpets I think) are your contents, the rest is buildings. It's hard to work out roughly how much everything you own is worth, but if you start with the big items fridges/teles/consoles etc then go from there you'll realize you've probably got way more than £2k.

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Andrew Mills
Guides Sec.
Joined in 2008
Location: Cranfield

PostRe: Home Insurance
by Andrew Mills » Wed Feb 05, 2014 11:14 pm

One key thing to remember about home insurance is something called 'under insurance' (not pleasent).

Do yourself a favour and read this guide on it: http://www.moneysavingexpert.com/insura ... -insurance

You'd be completely daft not to have it.

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Chocolate Jim
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PostRe: Home Insurance
by Chocolate Jim » Wed Feb 05, 2014 11:58 pm


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