5 Things about home insurance

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What are the first 5 things you’d grab from your home if it caught fire?

It’s a tough question and the answer is different for everyone. Perhaps you’d grab all of your gran’s old photos, or maybe it would be your King Price bobble head collection.

Your stuff might just be ‘stuff’, but it’s all full of memories and meaning, which is why it makes sense to insure it against theft, fire, floods and the like.

If you need some more convincing, here are 5 things you probably didn’t know about home contents insurance from King Price:

  1. Even renters can (and should) get home contents insurance

Just because you don’t own the home you’re living in, your stuff is still your responsibility and will not be covered if something should happen to it. Your landlord/lady is responsible for the physical structure of the property, not what happens to your things.

  1. Where you live determines how much you’ll pay

Here’s another reason to check into the crime stats of the suburb you’re staying in. In higher risk areas, your home insurance premium will go up. We also don’t like the idea of anything bad happening to you, so there’s that. Still, if moving isn’t an option right now, you can always consider point number 3….

  1. Your security measures also affect your monthly premium

Look for ways to invest in your home’s security with burglar bars, security gates, alarms and armed response subscriptions. If you have the space and resources, consider digging a moat around your home and filling it with sharks….With frikkin’ lasers strapped to their heads.

We won’t be able to reduce your premium for that last one, but we really want someone to do it because we think it would be cool as hell.

  1. Your laptop, bicycle, sunglasses and phone are NOT covered under home contents

These are things that need to be specified on your insurance policy as ‘portable possessions’, because of how often they accompany you out of the home.

It won’t take you that long to do, the premiums won’t be much higher and if you ever drop your phone in the toilet, or have it stolen from your purse, you will be fully covered for a new one.

  1. Home contents from King Price comes with home assist services

3 Times a year, our home contents clients can call us on 0860 55 55 23 (which is a 24/7/365 number) to arrange an emergency call out and 1 hour’s free labour for the following services:

  • Plumbers
  • Electricians
  • Locksmiths

Remember, the more you insure, the more you save- so switch your home contents to King price and let’s see how much we can save you!