Homeowners Set to Have a Smashing Time

By insurance in home insurance

Jul 1

Wimbledon is in full swing, and many parents and children are taking to the streets outside their homes to emulate their heroes and enjoy a little tennis action.

The problem however, is that our serve and volleys are rarely as accurate as the likes of Federer and Sharapova, leaving us to count the cost of broken windows and other accidents. Home insurance claims for accidental glass breakage rose by around a fifth last June compared to January’s data with homeowners in Birmingham and Solihull proving the most likely to make a claim.

It goes without saying that you should take care when playing close to the home, but it’s well worth taking out suitable accidental damage cover just in case. Most insurers charge an extra premium for this cover, although it is included as standard to various degrees on some policies.

So what makes a good accidental damage policy? There is little to choose between most insurers’ policies, but not all cover broken glass. It’s worth examining the high-risk items limit - some home insurance policies will place a cap on how expensive individual items can be.

In addition, make sure that you have new-for-old cover on all items. This means that you will receive a brand new replacement rather than a like-for-like item with a similar level of wear and tear.

Look for what is covered by the terms of the policy too - you may need to take out extra cover for computer or office equipment in case you spill your coffee. Set the excess at a comfortable level - the higher it is the lower your premium, but don’t set it so high as to make the policy worthless.

If you need more accidental damage cover you can shop for cheap home insurance online with home insurance comparison websites.

Article Author :Alex_Gregory