| Home Insurance FAQ |
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Is the present amount of dwelling coverage on my homeowner policy sufficient?
If your policy¹s value is large enough for you to rebuild your house if a total loss occurred, then you are properly insured. You should review your insurance periodically to make sure you are adequately covered because the replacement cost of your home will change over time.
May I increase or decrease the amount of insurance on personal items in my home?
Yes. Initially, your personal property coverage usually reflects 50 percent of your home coverage. It may be increased or decreased, depending upon state requirements.
Are there any items in my home not covered by my homeowner policy?
Most items are covered for loss or damage and are subject to limits. For example, if jewelry was stolen from your home, you may be reimbursed up to a certain limit, perhaps $1,000. Some items may not be covered unless they are specifically insured, or "scheduled." It is wise to itemize valuables to be sure that your personal property is properly insured.
If my pets cause damage to my personal belongings, what coverage do I have?
There is no coverage on the homeowner policy for loss or damage to personal belongings caused by a pet or other domestic animal.
If my home suffers damage from vandalism, do I have coverage?
You have coverage up to the limits of your policy, unless your house was vacant for 30 or more consecutive days immediately preceding the incident.
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| Home Insurance |
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Great Insurance Garden offers a choice of two policies - the Great Insurance Garden Home Insurance TailorMade Policy Home Insurance Policy, which includes up to £500,000 buildings cover and up to £50,000 contents cover as standard, and our Great Insurance Garden Home Insurance TailorMade Policy Home Insurance TailorMade policy, ideal for those that require higher levels of cover.
Great Insurance Garden Home Insurance Policy
Our Great Insurance Garden Home Insurance Policy offers three levels of cover - Standard Accidental Damage, Extended Accidental Damage and Cover Plus. Extended Accidental Damage is our most popular level as it adds extra cover for everyday household mishaps, such as knocking over a vase or spilling red wine over a sofa.
Discounts available to you - Take out a Great Insurance Garden Home Insurance Policy online and we can offer you a discount of up to 25% on your first year's premium. This consists of a 10% introductory discount as well as a 5% combined discount (this only applies for a combined buildings and contents policy). Plus an additional 10% online discount. Furthermore, if you choose to pay by Direct Debit there is no extra charge for the first year.
Offer may be withdrawn at any time and does not apply to our Great Insurance Garden Home Insurance TailorMade Policy. All discounts apply to your quoted premium excluding any add-ons unless otherwise stated.
Great Insurance Garden Home Insurance TailorMade Policy
Our top-of-the-range policy is suitable for people who require higher levels of buildings and contents cover than our Great Insurance Garden Home Insurance TailorMade Policy Home Insurance Policy. It includes cover for fine art and antiques as well as worldwide 'new for old' cover. If you have valuables to protect, it might be just what you are looking for.
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