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Hints and Tips for Your Home Contents Insurance

There are plenty of home contents insurance companies that will gladly accept your money, but when it comes time for them to cover the cost of damages, some can make getting items replaced a difficult and frustrating game. It can be hard to distinguish between these companies and the rest of the market, so it is crucial that you find the right company that will be there when you need them the most.  Here are a few tricks to help you decide what you need out of a home insurance company:  

  • Read the Fine Print – This is the most important thing you can do when going through your homeowner’s policy.  This is a great way to figure out what they will and will not cover.  If you don’t understand something, then directly ask the representative to explain.  Don’t rush this tip; you should spend as long as you need to make sure you know what would happen in every scenario.
  • Going On Vacation – If you like to take long, extended vacations, then beware.  Some companies will not cover extended outings (past 2 months).  If something happens to your home, and you’ve been away for a while, they may not cover the damage.
  • Self-Employed – If you work from home, then your office supplies, tools, inventory, etc. will not be covered.  You will have to get a secondary policy just for your business.  So, if your home burns down with your business inside it, then you will not be reimbursed unless you have a specific policy for it.
  • Shop Around – It is crucial that you do as much shopping as you can.  There are a large number of New Zealand homeowner’s insurance companies, so you can spend as long as you want to ensure you’re getting the best deal. The more you shop, the more you know; the more you know, the more you save.  Click on one of the links on this page to start by getting a quote.