Good household insurance company?

Question

which would you consider to be the best and the cheapest to insure your home building and contents with??

Answer 1

we are with a company called Academy Insurance. We usually shop around with insurances but have been with this company for 4 years now as they are so good.

I made a claim last year as I broke my oven door and ceramic hob and they dealt really well with it. Their web address is below

Answer 2

Norwich Union Direct is good but so is my bank who use Churchill Insurance either give discounts for on-line business

Answer 3

A home is more than just a structure where you live. It’s where you keep your possessions, relax after a long day and keep warm on a cold night. It houses your family and all your memories. That’s why it’s important to protect it with insurance, so that if an unexpected event occurs, you are covered.

What’s covered in a standard homeowner's policy?

A standard policy has four main types of coverage: coverage for the structure of your home, your personal belongings, liability protection and additional living expenses.

Structure of Your Home

You should buy enough insurance so that you could rebuild your home if it is damaged or destroyed. Most standard policies also cover structures that aren’t attached to your home as well, such as garages and sheds.

Liability

Liability coverage protects against bodily injury and property lawsuits. It pays for your defense in court and any money you are required to pay, up to your policy limit. This includes no-fault medical coverage, if someone is injured in your home.

Personal Belongings

Most policies offer coverage of your personal belongings between 50 and 70 percent of the amount you have on your home. You should conduct a home inventory before you purchase insurance, so that you can determine what amount is needed. Most policies cover your possessions anywhere in the world.

Additional Expenses

If your home is damaged so badly that you must leave during repairs, a standard policy will pay for your hotel stay, restaurant bills and even reimburse you for money lost, if you rent out part of your home.

Is my home covered in the case of an earthquake or flood?

You need to purchase flood and earthquake insurance separately. Most insurance companies offer this type of coverage. They differ from coverage for other disasters. For example, earthquake insurance covers a percentage of the damages instead of a dollar amount. Talk to your insurer to get the specifics.

What’s the difference between actual cast value and replacement cost?

An actual cash value pays to rebuild your home, minus depreciation. A replacement cost policy pays to replace your home and/or possessions without a deduction.

Do I have to buy home insurance?

You aren’t legally required to have home insurance like you are car insurance. However, if you finance your home through a mortgage company, they will require you to have some kind of insurance policy. Even if your home is paid in full, it’s wise to have home insurance to protect your investment.

Answer 4

Hi there

Im with morethan and i find them the cheapest i would ring them up if i was you because i was with nationwide before and my buildings ins was very much under insured at  ÃƒÂ‚£300,000 so i might be well worth the free call

Best of luck

Answer 5

Check out

http://usa.insurancemall.in for USA quotes

OR

check http://www.insurancemall.in for India quotes