Smart Home Devices What to Know

It is now easier than ever for people to have their lives at home made simpler and more secure through smart technology and devices, allowing full control of our home at our very fingertips. Smart devices include, cameras that use facial recognition, send notifications to our smart phone and allow remote interaction through two-way audio…

Yellow Weather Warning for High Winds in England and Wales

Westerly winds will bring gusts of up to 60 mph along with heavy rain set to hit England and Wales tonight and tomorrow. The Met Office has more information on your local area. In Great Britain this is not unusual for this time of year, but severe weather can still cause vast damage to homes…

Making a home insurance claim

Show proof that the event happened Insurers’ claims teams want to see proof that the event you are claiming for has happened – unfortunately they have to watch out for fraudulent claims. Often providing proof is straightforward – a photo of the damage may be acceptable. But if your valuables were stolen by a burglar…

Rebuild value for home insurance

If you are asked for the rebuild value of your home for your home insurance quote, do not use the estimated market value if you were to sell your property. The cost of rebuilding your home is likely to be different from the value you would receive if you sold your home because you do not…

Are unoccupied properties covered by home insurance?

Some home insurers will not allow you to renew your insurance, or cover may be restricted to Fire, Lightning, Earthquake and Explosion only (FLEE), if your property has been unoccupied for more than one policy year and you expect it will remain unoccupied long-term. If you are looking for more extensive level of cover you…

Storm Aileen on the way

High winds are forecast in the next two days as Storm Aileen is due to hit much of the country this evening and tomorrow. If you have a garden, check for any items that could be blown around and cause damage to your property – toys, barbecues, tables and chairs – and put them away….

Bank holiday DIY? Insurance issues

Painting and decorating Should have little to no impact on your insurance. New kitchen, bathroom or doors If for any plumbing or electrics you need to employ a contractor in your home, any contractor should have their own liability in place to cover them for any damage caused whilst they are working in your home….

Smart home insurance ?

Smart home devices are more and more popular in the UK, from Amazon’s Alexa voice service, to remotely activated thermostats, to motion sensors – according to a study by Deloitte UK, 3% of households have a smart security system, smart thermostat or smart lighting, and 5% of households are considering buying a smart home device….

Smart locks issues

Last week, around 500 users of smart locks produced by the US company LockState found that their locks did not work properly after a faulty update was released, leaving users unable to lock and unlock homes. Lockstate apologised but wasn’t able to provide customers with an immediate solution to the issue – it took 5-18…

Flood risk assessment

Ever more homes in the UK are now at risk of flooding. In 2015/2016, 9% of new homes constructed in England were in areas at high risk of river or coastal flooding, and 4,400 homes in the last five years were built against the advice of the Environment Agency, according to an article by iNews….

Holiday home insurance

Home insurers mean different things when they talk about “holiday” homes and “second” homes: A holiday home is one that you and your family use for holidays from time to time, and may also be let to others, on holiday lets. A second home is one that is occupied frequently by you, often for a…