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Is there a strange odour coming from your house? Are you having trouble draining your sink? You sound like you have a bit of a blockage. Don’t panic, however. The task of unblocking a drain is relatively easy, and you probably won’t need to call an expert.
You may have a blockage in either your external or internal drains. If the drain is located within your property boundary, you are responsible for maintaining and repairing it. However, if you want to save money, we suggest doing it yourself.
Blockages in outdoor drains tend to be a little more difficult to resolve than your average blocked sink, but it is possible with the right tools and knowledge. We have created a guide that shows you how to unclog a drain so you can do it yourself.
People usually put things down their drains that shouldn’t be there, which causes them to block their drains. The most common cause of blockages in kitchen sink drains are grease, food scraps, oil, and coffee grounds, while soap scum and hair are to blame in bathrooms. Additionally, it would help if you thought about what you’re flushing down the toilet. You can easily clog your bathroom with wipes, sanitary products, and too much toilet paper.
You can find how to unblock an outside drain with any of the things listed above. Unfortunately, they’re all going down the same pipes, so they’ll get stuck in the drain outside your home instead of the inside. Leaves, branches, soil, mud, moss, litter, and other outdoor debris can also block your outside drain.
The best way to prevent your outside drains from getting blocked is to be mindful of what you put down your sinks, shower, and toilet. It’s also essential to keep the outside of your property and garden clean and clear of debris like leaves and moss.
We suggest you also purchase a drain unblocker if you haven’t already done so. Grates can be attached to your drain openings to stop leaves, litter, and other debris from falling into your drains and causing blockages.
We’ll talk about the common drain blockages inside and outside the home. Then, to determine whether the blockage originated within your home or is a bigger problem affecting your shared blocked drains, you can look at some factors.
The first thing you should do is speak with your neighbours and ask them if they are experiencing water drainage problems. If your neighbours are not having any trouble, or your inside drain is blocked, but your external drain is working, it is your responsibility alone.
Take action as soon as you notice any of the following:
A blockage can be caused by leaves and debris outside the house, coffee grounds, or sanitary items inside the house. You might not be the only responsible party.
It is your responsibility to unclog a kitchen that has blocked the outside drain since it is not part of the public sewer system.
You might discover various items blocking your drains if you investigate further, aside from the rotting smell.
A blocked outside drain will have standing water in sewer lines and starts overflowing.
We recommend checking your property’s pipes before looking at our outside drain unblocker guide. If you are experiencing a problem with your kitchen sink, bathroom or shower draining, try these methods:
The situation might seem bleak, but it may not be a complete catastrophe. You can take steps to fix the problem and get your plumbing systems back in working order. Want to know how to unclog an outside drain? Let us explain.
Using whatever method you can, access your outdoor drainage. To do this, you typically need to remove the drain cover. Then, inspect the problem after you have gained access.
How close are the blocked drains to the surface or how far away?
Is it simply gunk, or is it a more difficult job?
Once you have assessed the problem, move on to step two if you believe you can manage the job yourself. But, again, our recommendation would be to avoid tackling the problem yourself if you find it much more challenging than you expected.
Alternatively, you may have clogged gutter pipes, which are easier to clean out while still following the same steps.
There are a few steps involved in removing an outdoor drain blockage. The most important tool is a drainage rod. They are long, thin, flexible, and often made of steel. You can use them to push through a blockage in your drain and reach deep into the external systems. Don’t try unblocking an outside drain without a plunger.
In addition to some protective clothing, you’ll need to dig around inside the drain. If the blockage is near the surface, it is best to wear waterproof gloves and long sleeves, as well as protective gear for your mouth and eyes. Spillage can contain nasty sewage bacteria, which can cause illness or infection if you contact them.
Would it be possible to remove some of the blockages with your arm? Using your drainage rods for simple debris removal is your best chance of shifting the matter, clogging your blocked drains.
The job is awful, but it’s worth it.
Grab a bucket and place it near the drain. With your arm and the essential basic tools, remove the debris by digging in to the drain. The more you remove, the cleaner and easier it gets.
Try to flush out the blockage with your drainage rods.
You should slide the narrow metal through the sludge if you apply pressure. Then move the rods around to break apart the blockage. If you can see the blockage, you will move the drainage rods.
Be sure to twist your drainage rods clockwise when using them. It is possible that the tough blockages can result in the rods becoming unscrewed!
As soon as you have removed the blockage from your outside drain and water flows freely, make sure that the problem doesn’t recur. Ensure all debris has been cleared away from the drain using a hose – preferably a pressure hose.
Once you’ve loosened the remainder of the blockage with your hands or drainage rod, you can use the pressure from your hosepipe to clear the remaining elements. The cleaner your drains are, the longer it will be before you have to repeat this process.
Drainage problems outside the home tend to be more complex than your typical sink blockage. Even though they are manageable through DIY techniques, these methods are not always practical. We suggest you avoid attempting more powerful techniques if they aren’t successful. If you do, an external drainage line may be damaged, and you could cause further damage. Getting your plumbing back to normal is often easy with the aid of a professional.
What are the benefits of plumbing and drainage insurance?
The most comprehensive policies of Smart Cover plumbing and drainage insurance :
Also, provide a 24/7 emergency helpline number, since problems often need to be repaired urgently to prevent further damage.
Your day doesn’t have to be ruined by a broken pipe or blocked drain. We are on our way to you to solve this problem. We make your life easier by providing you with plumbing and drainage insurance.
With our plumbing & drainage cover on hand, you can rest assured that a solution will be on its way as soon as possible if a problem arises.
Car breakdowns are more likely to occur during winter, but they can occur at any time throughout the year. During its natural life cycle, any vehicle can break down for reasons other than those caused by winter.
The term “vehicle breakdown” refers to a mechanical failure in which the vehicle’s current defect renders it practically impossible to operate.
Faulty batteries are the major cause of car breakdowns in winter. The starter motor is powered by the battery, and the engine uses the alternator to recharge the battery.
When batteries are used more frequently, their efficiency decreases, and they eventually die after around 5 years. Excessive cold or heat, running a battery down or continually charging it will speed this process. This can be avoided by following the steps below:
Flat or worn tyres are similar to unwelcome guests that arrive at the wrong time. The majority of punctures are caused by sharp objects; however, there are other causes:
You can prevent punctures or flat tyres by performing a few easy checks:
Wheel misalignment that causes uneven tyre wear can be fixed by taking your car to a tyre facility or having it serviced.
Assistance will be necessary to re-enter a car if you misplace your keys or lock them inside. It’s a good idea to keep an extra key at home, but it’s not helpful if you’re on vacation.
Microchips are embedded in your vehicle keys to prevent theft. Unfortunately, if you lose your key, replacing it is more difficult. It’s also why missing or jammed keys frequently cause vehicle breakdowns.
You can also contact someone for assistance or contact an authorized dealer.
Engine oil that has been improperly topped up might cause damage to the engine. It’s just as harmful to have too much as it is to have too little oil in your engine.
Here are some suggestions for avoiding engine oil issues:
Your alternator may be failing if your battery is frequently draining or your headlights are dimming. It’s also possible that the belt that drives your alternator and water pump has come undone. This is a red signal if the engine temperature suddenly rises and the ignition warning light lights.
Starter motors inevitably fail, despite their extraordinary longevity.
Any possible problems can be addressed before they become a problem as long as your car is maintained regularly.
Every year, thousands of drivers fill up with incorrect fuel. Do not start your automobile if you accidentally filled your diesel tank with gasoline or vice versa; instead, push it to a safe spot and call your fuel service team.
To avoid a bad gasoline scenario, check the nozzle on the pump before pulling the trigger.
Another fuel-related issue that causes the most embarrassment to drivers is running out of gas! The tank is low on fuel if the needle is red (or bleeps).
What to do in case of a fuel shortage
It’s possible that the display isn’t always correct. And there are chances that your car’s fuel gauge may not show the exact volume of fuel left.
If your tank has low fuel,
Fuel has flooded the engine
You risk flooding the engine if you stop your automobile too soon after starting it in the cold. A flooded petrol engine, fortunately, is usually simple to repair.
Allow the engine to warm up after starting it from cold if you drive a petrol car. It only takes a few moments. As the engine warms up, the sound changes, and the idle speed decreases.
Worn out cables
If the clutch cable breaks, it will be impossible to engage the clutch, which will be a major problem.
The following indicators of clutch cable wear and tear can be identified:
Leaking Cylinder Gasket
Other than maintaining your cooling system to avoid the issue, it’s tough to prevent a leaky cylinder gasket from developing.
The following are some of the most obvious indicators of a failing cylinder gasket:
The wires carrying high voltage from the coil or distributor to the spark plugs may be thicker in older cars. In contemporary cars, the coil can also be seen right above the spark plug. Ironically, it deteriorates as it becomes older and hotter, causing a reduced performance.
An ignition problem can be identified by the following signs:
Fouled Spark Plug
Only older autos and cars with a lot of kilometres on them might have this issue. Fuel fouling plugs happens when there is too much fuel in the engine and not enough air. Spark plugs should be replaced regularly, such as every 50,000 miles on current automobiles, to avoid this problem.
A clogged spark plug may exhibit one or more of the following symptoms:
We’d be pleased to provide further information about our breakdown cover.
To help our customers in the event of a breakdown, Smart Cover offers motor breakdown insurance for cars, vans, taxi mini-trucks, taxi vehicles, motor homes, mini-buses, vintage automobiles, and motorbikes. We also provide competitive pricing, quick claim processing, and knowledgeable assistance.
The following are some of the benefits of Smart Cover car breakdown cover:
Throughout the year, we provide assistance for numerous motor breakdowns around the clock. A motor vehicle breakdown can occur at any time, and we want you to feel secure knowing that you are covered.
Apply for Smart Cover’s motor breakdown insurance today for a solution that’s only a phone call away.
These days, losing your phone is never easy to accept or deal with. Especially if your just purchased, high-end smartphone is broken or stolen, and you haven’t even finished paying your EMIs. It is during times like these that you will wish you had your cell phone covered. However, the importance of having mobile phone insurance is sometimes neglected.
In general, insurance protects your investment from problems that aren’t covered by the manufacturer’s guarantee. This is accomplished by paying for specific insurance coverage. Depending on the type of coverage you select, you’ll be covered for repairs, damage, replacement, or even theft.
Mobile phone insurance cover is identical to any other insurance policies, except that it is specifically designed to cover risks associated with mobile phones. When it comes to mobile insurance, it includes theft, phone loss, damage, and various other things.
The concept of smartphone insurance is relatively new, and few people are aware of it or prepared to get it. But on the other hand, smartphones have evolved into more of an investment than a method of communication; the more expensive the phone becomes, the more delicate it becomes. As a result, getting your heavily invested mobile phones insured for a variety of unfortunate circumstances is a must in today’s world.
When you acquire a mobile phone, it usually comes with a one-year guarantee to cover fundamental manufacturing flaws or hardware problems. However, this limited guarantee does not cover unexpected accidents such as cracked screens or water damage, or damage caused by a third-party component.
Mobile phone repair/replacement issues are one example of an unexpected expense that necessitates insurance purchase. When you aren’t prepared or backed up by an insurance plan, the expense you may have to incur at that moment may feel like a loss. However, having your mobile phone insured might help you avoid financial losses in the event of theft or damage. Allow us to demonstrate how a mobile insurance plan could come to your aid at the most inopportune time.
Protection from theft:
The concerns with theft are that it will be extremely difficult to recover your phone, you will lose all of your data, and the cash loss would be the most significant setback. In a circumstance like this, mobile phone insurance can save you a lot of money by covering the purchase of a new phone.
Accidental breakage protection:
Because mobile phones are so expensive these days, repairs are often quite costly. Any inadvertent phone damage could cost you a lot of money at an inconvenient time. You would be protected if you had a mobile phone cover scheme.
Protection from water/liquid damage:
If your phone has been exposed to water or liquid, it will experience issues such as malfunctioning, screen problems, and more. Moisture and humidity are two other factors that might cause harm. A mobile insurance policy typically covers these kinds of issues.
Covers hefty repair expenses:
If you possess a high-end phone, such as an Apple, Samsung, or One plus, the repair charges can be relatively high. Therefore, having mobile insurance possibly can prevent you from paying a large sum of money for phone repair.
Protection in the event of a phone loss:
Having an extended warranty does not necessarily guarantee that you will be compensated if your phone is lost, but having mobile phone insurance does.
A mobile phone insurance policy protects the phone from a variety of risks. Because smartphones are electronic devices, they may be more susceptible to repairs, rendering the device worthless. In addition, there may be external concerns and internal issues such as software issues. A good mobile insurance policy often covers the following risks and damages:
Here are some of the major exclusions that a mobile phone insurance scheme will not cover:
Guide to choose the best mobile insurance in the UK
Insurance for mobile phones does not have to be expensive. It also depends on other aspects such as the phone’s brand, model, and coverage level. Furthermore, the value changes depending on the payment conditions and the extra features you include in the scheme. Price is not the only aspect that influences the value of your money in phone insurance; you must also consider the purpose and benefits you will receive, i.e. you must assess if what you are about to buy meets your mobile phone’s coverage needs. For example, if your phone is lost or stolen, you will only be able to get a replacement quickly if your insurance policy covers it.
Check Smart Print:
If you are certain that you want your phone to be insured, make sure to read the smart print of the policy you purchase. You will learn two things as a result of this:
Check to see if you’re already insured:
Before acquiring a new insurance policy for your smartphone, make sure it’s not already covered under your house or bank account insurance. Check to see if the insurance firm is licensed.
Smart Cover’s mobile insurance plans for iPhone and Samsung:
Smart cover aims to give our customers a sense of security by offering a cost-effective mobile insurance plan and high-quality customer service. We provide insurance for a variety of devices, including iPhones and Samsung smartphones, at affordable rates and with excellent customer service. These protective covers are reasonably priced and provide coverage against a variety of damages.
Benefits of iPhone & Samsung mobile phone insurance:
Explore Plans Now:
Smartphones have become a necessary tool for our daily lives. However, the phones we use today are more delicate and have a higher financial investment. Therefore, any damage or loss will be extremely expensive to fix or replace. However, getting mobile phone insurance will safeguard you and cover you if your phone is damaged or lost.
Reach out to https://smart-cover.co.uk for protection for your valuable items.
How would you feel if you awoke early in the morning to have a good day, or imagined a wonderful breakfast time with your family, and instead you find yourself in a flood-like scenario due to water leaks. It could result in a miserable day filled with tension and anxiety due to being late for breakfast or the office. Worse still, it might be costly to repair. Why not have plumbing and drainage insurance with easily accessible specialists and professionals who are only a phone call away? Let’s delve into some suggestions and learn how to check water leaks and burst pipes at home.
Water is essential for our life and in our homes – as long as it is kept under the appropriate control. However, if water gets into places it shouldn’t, it can quickly turn into a foe, causing structural and furniture damage. Unfortunately, water leaks occur even in new homes and are equally stressful. Furthermore, not all leaking pipes are visible; in fact, some might be subtle, making them hard to detect.
How to find a leak under the floor? A water leak detected early might save you money and prevent further disaster. Here are some indications that you have a leak and should contact a plumber or engineer to fix it:
Water leaks in the house aren’t always as apparent as steady drops that keep you awake at night. Until the leak becomes a torrent, they’re usually far more subtle, which is why spotting them early is crucial. Moreover, if you notice a decline in water pressure while filling the tub or showering, it could indicate a leak. You should test this by turning the tap off and turning it on again. It’s most likely a leak if the water pressure is higher than before.
Keeping a check on your water meter is one of the most reliable ways to see if you have a leak or plumbing problems:
Water leaks could be there if your bill is continually rising yet your water usage habits haven’t altered. Keep in mind that some of your pipes may be buried. Leaks in this area of your home may go undetected for a long time.
If you detect a leak in your plumbing system, contact a professional as soon as possible to have it repaired. Please don’t wait until it grows worse and you’re dealing with a major disaster.
Water is a valuable resource; that’s why we mustn’t squander it. Check the cupboards under the kitchen, washing areas, and bathroom basins to ensure they’re dry if the water meter test suggests a leak within your home. Look for puddles behind the water heater, dishwasher, and laundry washer, as well as at the bases of tubs, bathrooms, and showers.
Water pipes and supply pipes can leak easily with no noticeable damage; they undermine foundations and eventually cause massive damage, which can spread to your neighbor’s property. Saving a few pounds sometimes by repairing yourself may appear to be a good idea, but the time and energy required might quickly outweigh the original investment, so have a look at our plumbing cover and save yourself a lot of effort.
After getting covered, our experts will assist you in repairing future water leaks and pipes, please do not hesitate to call us any time. For further information about plumbing and drainage insurance, please visit: https://smart-cover.co.uk/plumbing-drainage-insurance.
Fill a bottle with food coloring and pour a few drops into each water tank in the home. Suppose food color comes out in the toilet within 5 minutes, then there are chances for tank leaks. If you notice a stain while flushing the toilet, or if you’re handy with home water repairs, you can fix the flush handle on the toilet by yourself or get help from an expert plumbing engineer.
Here are a few additional visual evidences if you have a water leak:
Leak detection in mains water supply pipelines
How to check for a leak in your water supply pipe outside? It could be a big problem to detect leakage in the pipes. A water bill that is higher-than-expected can be a sign of water leaks, but there could be a variety of other causes as well.
Take a lookout for leaking clues
If a fitting on a supply line under your sink breaks and a shower of water shoots out, you’ll know right away what’s wrong; however, some leaks are much more challenging to detect. In the worst-case scenario, water can trickle slowly through a wall’s pipe fittings and go undiscovered until it causes considerable damage. Even though the water meter test shows that you don’t have any leak in your home right now, one could appear at any time, so it’s a great way to keep a lookout for it.
Water Leak beneath the Concrete
Although locating a water leak beneath concrete is more complex than discovering a dripping tap in your kitchen, it is not impossible. While checking for underground water leaks, we’ve already addressed looking for moist spots on the ground (with no apparent trace of a leak in the ceiling) and the scent of mould or mildew, and these apply to leaks under concrete.
Look for fissures in the concrete of moisture escaping and uneven surfaces, which indicate that the concrete is being forced up by the leaking water underneath.
Water leaks from a pipe or roof
Assume you find a damp patch on your ceiling. A leaking pipe or a leaking roof are the two most likely reasons for the water leaks. Roof leaks are pervasive, as any roofer can tell you: most householders might experience a few leaks during their stay in the home, particularly if the roof is beginning to age. Suppose roofing materials like tiles and the underlayment deteriorate, the roof leaks. Moisture then seeps through the roof, into the attic, and down into the living areas of your home, propelled by gravity.
Plumbing and drainage insurance
A clogged drain, water leak, or burst pipe is unpleasant to face, but it can be repaired quickly and efficiently. If you want to be prepared in case the worst happens, get a plumbing cover. Some plumbing problems might be costly if you don’t have coverage. Smart Cover offers plumbing and drainage coverage that helps with water leak problems.
Feel secure if any plumbing and drainage problem arises, all you have to do is make a phone call, and our plumbing and drainage experts will be on their way as quickly as possible. We have a nationwide network of skilled and experienced plumbers available across the United Kingdom. Our plumbing and drainage coverage includes the following:
Our policy will cover the internal plumbing, internal drainage system, pipe blockage, collapse, or leak. Moreover, you can get advice on what actions to take to protect yourself and your home and how you can prevent plumbing issue in future.
Kitchen appliances are some of the most important and relied upon electronics in your household. It’s more than likely that all of the appliances in your kitchen are used at least once a day – if not more.
That’s why it’s so important to choose appliances offering good performance, reliability and energy efficiency.
There are lots of other things to consider as well, take a look ahead for a guide on everything you need to take into account when buying a new kitchen appliance for your home.
One of the most important things to consider with an oven is the size. Always check that the appliance you decide to go with will fit everything that you want to cook in it.
Then consider what sort of oven are you looking for? A built-in or a freestanding one?
Well, a built-in oven will fit in with your cabinets and look more sleek compared to oftentimes bulky freestanding alternatives. Usually, they come with more advanced features such as self-cleaning and cool touch for your children’s safety.
A freestanding oven is a more traditional option that will usually come with an integrated hob. This makes it easier to install, and much more simple to transport should you move homes.
The clue is in the name with microwave ovens. They combine your oven and microwave into one handy appliance – more often than not, however, they are limited in their size and advanced feature offerings.
Electric ovens are the most common type of oven. Using fans, electric ovens ensure that heat is spread evenly throughout, so your food comes out cooked consistently.
Touted as a healthier alternative, steam ovens use hot steam and air to cook food, locking in flavor as well as many of the nutritious properties.
There are three different types of hobs to choose from. Each offers its advantages. At the end of the day, however, they all do the same thing – heating your pots and pans ready for cooking. It’s up to you to decide which is best for you and your family situation.
These hobs are powered by gas and offer a tangible flame to heat your pots and pans. Thanks to this, the heat output is instant, though more caution is required when they are used and following their use. Cleaning is often quite simple, with removable grids so you can access all parts of the hob.
Safer for children, induction hobs only heat up the pot/pan rather than the surface of the hob itself. This does mean that specific pots and pans compatible with induction cooking methods are required.
Electric hobs come with glass surfaces that are easy to clean and usually quick to heat up. They’re the most common type of hob found in kitchens across the UK. They don’t require specific induction compatible pots and pans.
A hood is a vital appliance that works in combination with your hob. It extracts the steam and odor that is emitted from cooking food items on your hob.
More advanced options clean, filter and then recirculate the air, whereas others simply act as extractors – removing the steam and odors.
For induction hobs, it’s a good idea to find a hood that stretches the width of your hob plus a little bit extra.
Your fridge and freezer will be running all day every day so you should look for a model and brand that offers great energy efficiency to reduce these running costs. Look for at least A+ but ideally, the best offer A+++ energy efficiency.
You can get two separate appliances for your fridge and freezer or you can look to an American-style option that will stack both into one appliance. Either way, ensure that the space inside is enough to fit all the food and drinks that your family needs.
Microwaves can be bought as a built-in unit, placed within the same setting as your cupboards, or as a freestanding appliance that can be put on worktops or elsewhere.
Microwaves can perform many functions such as defrosting and heating food. If you decide to go for a microwave-grill or microwave oven then you could potentially combine two appliances into one.
They may not be as powerful or spacious as a separate unit, but for smaller households or individuals they can be extremely versatile.
Power is of course a key consideration, with the average wattage suitable for most people’s needs being around 1000w – 1200w. You can purchase microwaves with power outputs up to 1600w and upwards.
The washing machine in your home is likely to be used at least once a day – sometimes more than once when the washing pile really starts to build up!
That’s why it’s important to consider the energy efficiency of the appliance, just as you would with fridges and freezers. Investing in a highly efficient (A+++) model will help to save you money in the long run.
How many clothes require washing per load, will your machine fit everything it needs to?
The size of your washing machine, both the drum and the machine itself, are vital considerations to make before settling on a purchase.
Drum sizes vary from 5kg all the way up to 12kg, so if you find that there’s usually lots of items to wash at one time then a larger drum size is a good idea.
If you’re looking for a less bulky, and loud option then an integrated machine will suit your needs.
Regularly using a tumble dryer is a surefire way of really ramping up your energy bills. More often than not, many people disregard them altogether.
However, an energy-efficient model along with sparing use – when you’re in desperate need of drying for your washing – is the best way to get the most out of a dryer without forking out monthly.
The most energy-efficient models are likely to cost a premium price but will save you money in the long term if your household needs a dryer.
Alternatively, you can choose to go with a washer-dryer combi, but that means losing some of the drum space as only about two-thirds can be filled when using the dryer function.
The dishwasher is another of the most used appliances in the average home. You could of course choose to skip it altogether and do all the washing by hand.
If you prefer the less time-consuming and altogether easier option of a dishwasher, then you should consider the size, noise level, functionality and features of the appliance you decide to purchase.
Often, dishwashers – like washing machines – are bulky and loud appliances. They can be integrated into cupboards, making them stylishly discreet, though this can come at some extra cost.
With how often the appliance will be used, you should check the decibels or sound level (the lower the better) and the dimensions to determine whether you have the required space.
Dishwashers will come with different settings for Eco wash cycles, or more thorough wash cycles – with the former usually costing significantly less per load.
Once more, energy efficiency is a vital thing to keep an eye on, it can save you lots of money on your energy bills in the long run.
Look at the reviews for the appliances that you’re considering. They’ll give you a good overview of the item and what you should expect from it.
If you’re looking for a more stylish, discreet look then integrated appliances are the way to go.
Overall though, always keep an eye on energy efficiency as this can save you lots of money on your energy bills.
There are four key types of insurance available to property owners and tenants. It’s important to understand the difference between them so you can choose the coverage which best suits your specific needs.
Covers the structure of your home as well as the content inside. Always check the terms of a policy before deciding on it. Some may include home emergency cover, where some may do so but for an additional cost.
Covers the cost of fixes for problems that put your health, security, or home at risk. Specifically relating to plumbing, electrics, pipes, pests, locks, doors/windows, and lost keys
Only covers the structure of the property. If you feel that you don’t need contents insurance then you can opt for just buildings insurance as opposed to home insurance.
Only covers the items in your home. As mentioned above, if you don’t feel that you need all of the coverage that home insurance offers then you can opt for just contents insurance.
In the event of a storm, flood or fire, the damage caused to your property and your valuables inside can be covered by home insurance.
Accidental damage is often an additional option that can be added to your policy. It will protect your property and items from the cost of damages caused by accidental knocks, spills or drops.
Every policy is different, however, so ensure that you check the terms and conditions to make sure that you’re getting the coverage you want and need.
It’s vital to understand that insurance doesn’t allow you to ignore the condition of your home and the items inside. If you’ve neglected the condition of your property and a storm was to occur, the damages could be seen as a result of your own negligence as opposed to natural forces out of your control. This would mean that you wouldn’t be covered by your home insurance policy.
Home insurance does not cover the cost of deteriorating property or item condition that comes from regular, long-term use.
If you’ve owned a television or computer for upwards of five or six years, it’s sensible to assume that a breakdown could occur soon. If a breakdown were to occur in this case, then home insurance would not have the cost covered.
Unless stated in your policy, home insurance will not cover damages from a storm flood to your garden fences, hedges and gates.
As outlined above, home emergency insurance covers the damages that insects, birds and pests cause that can put your health, home or security at risk – standard home insurance would not cover this cost.
Similarly, the cost of boiler repair, plumbing, electrics, pipes, pests, locks, doors/windows, or lost keys would not be covered under standard home insurance.
Damage that is determined to have been caused deliberately is of course not covered either.