http://www.three-mobile-phones.com/HomeInsurance/advice/www.house-contents-insurance.com provide useful and up to date information and advice on UK Home Insurance and all the leading UK Home Insurance Providers to help you save money and ensure you find the best on-ine deal available and get the cover you needwww.house-contents-insurance.comwww.house-contents-insurance.com http://www.three-mobile-phones.com/HomeInsurance/advice/Loan-Mortgage-Calculator.htmA Handy Financial Tool For Borrowers - Whether you’re going to buy a home for the first time or an experienced homeowner, a loan mortgage calculator can precisely let you know what you have to understand about buying your new home. Looking for a new home? Determine how much your new home would cost you every month. By entering simple inputs like the loan amount, the repayment term and the interest rate, you can calculate your monthly mortgage payments conveniently...www.house-contents-insurance.comwww.house-contents-insurance.com http://www.three-mobile-phones.com/HomeInsurance/advice/insuring-your-home.htmInsuring your home as well as its contents is something that many people are unsure of it benefits, until the unexpected occurs. In fact there are many homeowners that labour under the misconception that they don't actually need to insure their home or its contents. Not everyone knows that when a mortgage banks lends money on a property, they automatically insure the percentage of the property that they have lent on...www.house-contents-insurance.comwww.house-contents-insurance.com http://www.three-mobile-phones.com/HomeInsurance/advice/A-History-of-Insurance.htmInsurance is like the wheel – it’s been around for ages but no one can quite pinpoint where and when it started. The oldest type of insurance is probably the tribute, a word that derives from the Latin for to pay, assign or grant...www.house-contents-insurance.comwww.house-contents-insurance.com http://www.three-mobile-phones.com/HomeInsurance/advice/Are-You-Under-Insured.htmHere’s a quick question that will let you know whether you are under insured or not – how much is all the stuff in your home, garage, shed and garden worth? If you have to sit down and think about it, you are probably under insured because you should know. You would have had to tell your insurance company when you renewed your home contents policy...www.house-contents-insurance.comwww.house-contents-insurance.com http://www.three-mobile-phones.com/HomeInsurance/advice/Claiming-On-Your-Home-Insurance.htmSooner or later it’s likely that something will happen to your home or possessions that will lead to you claiming on your home insurance. When it does, it’s important you know when and how to claim. Don’t overlook the obvious, like keeping the policy documents in a handy place so you can put your hands on them when you need to...www.house-contents-insurance.comwww.house-contents-insurance.com http://www.three-mobile-phones.com/HomeInsurance/advice/Buildings-And-Contents-Insurance.htmHome-owners need two types of insurance to protect their property and possessions from accidents, damage and theft. Buildings insurance pays for repairing or rebuilding your home – including damage to the fixtures and fittings, which are built-in kitchens and wardrobes, sinks and baths. Contents insurance protects personal possessions –things that can be packed up and moved, like pictures on the wall, carpets and the TV...www.house-contents-insurance.comwww.house-contents-insurance.com http://www.three-mobile-phones.com/HomeInsurance/advice/Contents-Insurance-and-the-Risk-of-Having-a-Lodger.htmThe financial upheaval everyone is experiencing at the moment is leading to many people considering whether to take in a lodger. The rent-a-room scheme allows homeowners to earn up to £4,250 a year from a lodger tax-free. Finding a lodger is straightforward, but letting out a room can have other implications...www.house-contents-insurance.comwww.house-contents-insurance.com http://www.three-mobile-phones.com/HomeInsurance/advice/DIY-Disasters-May-Void-your-Home-Insurance.htmThat five-minute job that takes a week that the wife wants you to do at home is better left to professionals if you are not a competent DIYer, according to many insurance companies. DIY disasters invalidate lots of insurance claims – and it’s no surprise when a survey revealed nearly 40% of men are no good at DIY and would rather get a professional in to do the job anyway...www.house-contents-insurance.comwww.house-contents-insurance.com http://www.three-mobile-phones.com/HomeInsurance/advice/Do-You-Need-Buildings-Insurance.htmLike most financial matters, the answer to whether you need buildings insurance is probably it depends. The answers are: NO – if you rent a property – the landlord takes responsibility for insuring the building. NO – if you own a flat because generally the freeholder or management organisation looks after insuring the whole block and includes an amount for buildings insurance in your service charge. YES – if you own your own home, even if the property doesn’t have a mortgage...www.house-contents-insurance.comwww.house-contents-insurance.com http://www.three-mobile-phones.com/HomeInsurance/advice/Home-Insurance-And-Flooding.htmHome Insurance and Flooding - Dealing with flooding has put insurance companies in deep water with the Government, but they have finally agreed a compromise solution for homeowners in flood risk areas. The problem is no Government agency has official responsibility for dealing with anti-flood measures and homeowners are very much on their own when it comes to protecting their property...www.house-contents-insurance.comwww.house-contents-insurance.com http://www.three-mobile-phones.com/HomeInsurance/advice/Insurance-for-Landlords.htmIf you are renting out buy-to-let property, then normal home insurance is not sufficient cover for your needs. Many insurance companies have special products for landlords that come as a combined policy – Many landlords take the full package as letting property allows insurance costs to be set off against profits as a business expense...www.house-contents-insurance.comwww.house-contents-insurance.com http://www.three-mobile-phones.com/HomeInsurance/advice/Insurance-Fraud.htmFalse insurance claims cost honest people 5p for every pound they pay out on their car, home and other insurances. That’s a total of £1.6 billion a year - or an extra £25 straight out of your bank account if you pay out £500 a year on insurance, according to the Association of British Insurers, which represents most of the UK’s leading insurance companies...www.house-contents-insurance.comwww.house-contents-insurance.com http://www.three-mobile-phones.com/HomeInsurance/advice/Insurance-or-Assurance-is-there-any-difference.htmEveryone chops and changes both words so much that in conversation and written use, any difference seems to have merged. Financial advisers, writers and just about everyone else talk about life insurance, but you have to go back to the word roots to understand that insurance and assurance are not the same...www.house-contents-insurance.comwww.house-contents-insurance.com http://www.three-mobile-phones.com/HomeInsurance/advice/Top-10-Factors-That-Affect-your-Home-Insurance-Costs.htmRisk assessment is the science behind insurance that calculates how much each homeowner pays. Two neighbours living in identical houses can pay different home insurance premiums to the same insurance company for the same cover because of risk assessment that is based on their personal circumstances...www.house-contents-insurance.comwww.house-contents-insurance.com http://www.three-mobile-phones.com/HomeInsurance/advice/Maximising-your-Insurance-Claim.htmThe best way to make sure you can make a full and accurate home insurance claim for any possessions that may be lost, damaged or destroyed is to keep a home inventory pack. There’s no dispute that setting the pack up is a real pain and can take some time, but in the end it’s worthwhile because if your home was completely destroyed and you had to list all your possessions from memory, the likelihood is lots of important stuff would be missed out...www.house-contents-insurance.comwww.house-contents-insurance.com http://www.three-mobile-phones.com/HomeInsurance/advice/Questions-to-Ask-for-Getting-the-Best-from-your-Insurance.htmTo make sure you have a home contents policy that is tuned to your needs, you need to have a list of questions for the insurance company to answer. Comparison goes beyond price – a policy can be cheap because the cover is insufficient for your needs. What you really need is a policy tailored as close as possible to match your requirements at an affordable price.www.house-contents-insurance.comwww.house-contents-insurance.com http://www.three-mobile-phones.com/HomeInsurance/advice/Top-Five-Mistakes-Made-When-Insuring-Your-Home.htmHome insurance customers regularly make the same errors that cost them money when arranging their policies. If you bear these points in mind when talking to your insurance company, you can save yourself time, hassle and money in the long run...www.house-contents-insurance.comwww.house-contents-insurance.com http://www.three-mobile-phones.com/HomeInsurance/advice/Under-insured--what-risks-do-you-face.htmWhat risks do you face? - Paying out for insurance that won’t pay you back when you make a claim is just a waste of money. You need to audit your possessions to make sure you have the right amount of insurance, so if the worst should happen, you are not left with a huge bill...www.house-contents-insurance.comwww.house-contents-insurance.com http://www.three-mobile-phones.com/HomeInsurance/advice/Ways-to-Save-on-Home-and-Contents-Insurance.htmEvery penny helps and if you can reduce the cost of your home insurance, that’s a few more pounds that stays in your pocket. Insurance companies like to encourage homeowners to take responsibility for their own property and possessions, and in many cases offer discounted annual premiums to people who can show they are acting to keep their property in good repair and to protect their possessions...www.house-contents-insurance.comwww.house-contents-insurance.com http://www.three-mobile-phones.com/HomeInsurance/advice/What-Are-The-Four-Pillars.htmThe benefits of scientific and medical advances are allowing people longer, more active lives with the downside that many become socially isolated and impoverished in their old age. In this country, life expectancy for men is 77 years and for women, 81 years, with almost 22% of the population aged over 60. That’s 13 million people over 60 out of a population of almost 60 million people...www.house-contents-insurance.comwww.house-contents-insurance.com http://www.three-mobile-phones.com/HomeInsurance/advice/What-is-an-Act-of-God.htmMost insurance policies clearly state that they do not protect against an ‘act of God’. This is a catchall phrase that insurers use as a get out for paying claims for events they did not predict or include in their risk calculations. Acts of God are often described as unpredictable or unpreventable natural disasters like hurricanes, floods and earthquakes...www.house-contents-insurance.comwww.house-contents-insurance.com http://www.three-mobile-phones.com/HomeInsurance/advice/What-is-an-Insurance-Excess.htmUnderstanding how an insurance excess works is important for you to know before you sign on the dotted line to take out any policy. Many insurance policies come with compulsory or voluntary excess. The excess is the amount of a claim you pay and has two affects on your insurance...www.house-contents-insurance.comwww.house-contents-insurance.com http://www.three-mobile-phones.com/HomeInsurance/advice/What-is-Subsidence-and-How-Does-it-Affect-Insurance-Premiums.htmSubsidence is the ground under a building moving downwards and is a particular problem when the movement is uneven beneath the foundations. Lots of factors can cause subsidence on their own or in combination with each other, like...www.house-contents-insurance.comwww.house-contents-insurance.com http://www.three-mobile-phones.com/HomeInsurance/advice/What-to-Look-For-With-Home-Insurance.htmHome insurance, commonly called contents cover, is designed to compensate the policyholder for damage, loss or theft of personal possessions. The best way to think of personal possessions covered by contents insurance rather than fixtures and fittings covered by buildings insurance is that possessions are items that can be moved from property to property, like furniture, kitchen equipment and beds. Two types of contents insurance are available...www.house-contents-insurance.comwww.house-contents-insurance.com http://www.three-mobile-phones.com/HomeInsurance/advice/With-age-Comes-Cheaper-Insurance.htmReaching 50-years-old is a key milestone for your finances, as all of a sudden you become a less of a risk to insurance companies, who queue up to grab your business with all sorts of discounts and offers. More and more insurers are moving in to the over-50’s niche market, offering special products and incentives...www.house-contents-insurance.comwww.house-contents-insurance.com http://www.three-mobile-phones.com/HomeInsurance/advice/Your-Insurance-is-invalid-WHY.htmIf you are paying for insurance, you want to make sure you get the most out of it in the event of having to make a claim. Insurance companies are good at resisting claims if they think a policyholder has broken the terms of any policy agreement, so read the small print and make sure you understand exactly what the policy covers and what it doesn’t...www.house-contents-insurance.comwww.house-contents-insurance.com http://www.three-mobile-phones.com/HomeInsurance/advice/16-ways-to-save-on-your-home-insurance.htmYou can save money on homeowners insurance if you know how. Discounts from your insurance company are available for a variety of reasons, ranging from the type of building material used to build your home to how close you live to a fire station. Here are 16 ways you can save money on your homeowners policy...www.house-contents-insurance.comwww.house-contents-insurance.com