What Your Flood Insurance Covers

 

If you are planning to get a flood insurance cover but do not have the time to go to the flood insurance providers in your area, you have one option and that is to apply online. The internet can help you choose a flood insurance policy provider who will fit your needs and you can fill in necessary forms online. This method however, may confuse you if you do not look at the fine prints for particular policies very closely. Here are a few tips when you apply for a flood insurance cover online.

Most of the insurance companies provide contents insurance policies against both man-made and natural calamities like theft and vandalism, fire, explosions, slippage, burst pipes, earthquakes, water or oil leakage, severe weather like storms, lightening, floods, and others. In all these emergencies, you need protection for your property or a replacement when damage or loss could not be avoided.

In the UK, flood insurance is available for you as a customer but you have to visit the insurance providers or browse through the internet to find one which is not only inexpensive but also meet your needs.

Two of the most commonly offered flood insurance policies in the UK are the buildings cover and home contents cover. The home contents insurance cover in the UK is designed to cover your personal belongings and almost everything you own. Home contents cover could include household goods and items, computer equipments, furniture and furnishings, kitchen equipment, video, audio equipments, and other personal belongings. These contents could be replaced or covered by your flood insurance policy when these are lost or damaged beyond repair due to floods.

Buildings insurance cover on the other hand protects the basic building or structure of your house or property. This means your flood insurance policy will cover the windows, floors, walls, outbuildings like garage and shed or permanent fixtures like kitchens, toilets and baths, interior decorations and even bedroom cupboards.

 

When you only get contents cover, only your personal belongings and valuables that you can take away from your house will be under the flood insurance policy. Buildings cover includes those fixtures that you can not remove from your house even when you move to a new location.

A buildings insurance will cover the loss or damage of the actual structure and fittings of your home in case of flood. It is therefore important that the buildings cover you get should be enough or more than enough to cover the rebuilding cost of your house. Your flood insurance policy provider usually estimates the rebuilding costs of your house and structures so you will know what level of flood insurance cover you need.

Your house and house contents face risks of damage from many calamities, flood included so you must realize by now how important a flood insurance policy is. Do not wait to be a victim of calamities like floods without a flood insurance cover. Spending a few hundred pounds for insurance could spell the difference in your life.