Interesting Situations Where You’ll Be Glad You Have Home Insurance

Home insurance is one of those things that we all need to invest in. It protects us from financial disaster in the event of an accident, theft, or other scenario where we’d be left to pick up the financial pieces if we didn’t have cover in place.

Worryingly, many individuals avoid taking out home insurance, mostly because they don’t believe it’s worth it, think that they’ll never use it, or believe that it’s too expensive to justify. If you’re someone who is worried about the cost of home insurance then checking out home insurance comparison quotes online highlights how affordable home insurance really is. And when you get to compare quotes from hundreds of well-known providers, you’ll really get the best of both worlds. 

But if you’re someone who doesn’t think that they’ll ever need or use a home insurance policy, read on. In this post, we’ll explore some interesting and incredibly common situations where you’d be glad to have home insurance. 

Theft and Vandalism

Picture the scenario, you’ve just come back from a long day at work, or from a trip to the shops and you return to your windows being smashed, the front door kicked in and your entire home and belongings ransacked. Jewellery – gone. TVs and electricals – gone. White goods – gone. Not to mention the complete mess the thieves have left your home in. 

If you don’t have home insurance in place with contents cover, then you’d be left to pick up the pieces of this theft, replace all the items yourself, and have to cover the cost of having locks, windows, and doors replaced! But with home insurance, all this is covered for you! 

When your home has been burgled it can leave homeowners feeling angry, upset, and utterly vulnerable, not forgetting the impact it can have on any children you have at home. At least when you have home insurance coverage, you’ll spend less time trying to financially fix things and have more time to spend with your family as you work through this upsetting ordeal. 

Water Damage

From leaking and burst pipes to leaks in your roof – if your home experiences water damage and your electrical wiring is rendered dangerous, or your belongings, carpets, flooring, or other items in your home are damaged as a result, then this is when home insurance can really save the day. And if you need somewhere to stay whilst your property is being repaired, then your insurance might also cover that too, as well as all your living expenses.

Please note that water damage caused by flooding is covered by a separate policy. 

Fire Damage

The idea of your home going up in flames is enough to terrify anyone, but whether there’s been a fire that’s spread from an adjoining property onto yours or there’s been an electrical fault that’s started a small fire and left your home damaged then your home insurance should be able to help with the repairs. They’ll also cover the cost of having your belongings replaced if they are also damaged. 

The idea of a fire in your home is a nightmare come true for most people. It’s not only the risk to life and your property but also the disruption it causes and it’s that disruption that reaches into every corner of your life. At least if you have home insurance in place, you can rest assured that your property is in safe hands and you’re not dealing with the financial fallout of a fire. 

Once again, if you have the right policy, then your insurance company would also help you source temporary living accommodation and cover your expenses until repairs are completed. 

Storm Damage

We’ve had a lot of storms recently, from Agnes and Babet to Storm Ciarán battering our homes and properties. While we hope that there’s minimal storm damage caused by these acts of nature, if you have home insurance you can breathe a small sigh of relief. 

If your home is damaged for example, by tree branches falling on your roof, debris smashing your windows or damage caused by falling trees then your home insurance policy will protect you and your property – financially at least! A quick call to your insurance provider and they’ll arrange for any repairs to be carried out efficiently, helping you move on with your life and stabilizing your home life as quickly as they can. 

Additionally, if you have additional cover and other add-ons then you may even be provided with alternative accommodation whilst repairs are undertaken on your home. Giving you total peace of mind!

Final Thoughts…

While all these scenarios can seem a little extreme, they’re all very real and can happen to anyone. Having home insurance in place can give you peace of mind that if something does go wrong, you, your family, and your property are in safe hands.