Biggest risk in the home?

We have been asking some of PolicyCastle’s users what risks they are most concerned about when they buy home insurance. Depending on geographic location, their big causes for concern are damage from weather – flooding or storms, and theft. However according to the Association of British Insurers’ statistics, the biggest causes of claims are from…

Cracking up? Signs of subsidence

Subsidence occurs when the ground under your home sinks lower, taking some of your foundations with it. Cracks appear in your building as one side moves away from the rest of the structure. Signs of Subsidence Not all cracks are caused by subsidence, they may be caused by temperature changes causing walls to shrink or…

Smoke alarms are worth every penny

88% of homes in England have a working smoke alarm, according to Home Office statistics. It is striking that 30% of domestic fires and 35% of domestic fire fatalities are in the 12% of homes that don’t have a smoke alarm.(1) 36% of the fatal fires in homes are caused by smokers’ materials, the largest…

Should I worry about my flat roof?

Home insurance application forms ask if your home has a flat roof, and if it does what percentage of the total roof is flat. Insurers clearly see a flat roof as higher risk than a sloping – or pitched – roof. Why?

How much cover for alternative accommodation have you got?

If the worst happens to your home, you will want you and your family to stay somewhere safe and warm while the damage is put right. Repairs can take a long time if damage has been severe, for instance from a flood, so you may be out of your home for an extended time. Home…

Are you covered for help around your home?

About a third of homes in Britain employ someone to help with domestic jobs, such as cleaning or gardening. You may not be aware that the contents section of your home insurance policy typically covers domestic employer’s liability – that is your legal liability for damages paid as compensation for an accident to someone working…

Doorstep security

As more and more of us use the convenience of shopping online, we have become accustomed to deliveries after dark to our front doors. But beware of burglars who try to trick their way into your home. Four tips: Always use your front door’s spy-hole, or look through a window to see who is at…