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Home and contents claims are typically made in the event of:
Home and contents claims may also be made on specific items of value (think heirloom jewellery, artworks and so on) if these have been specified on your insurance policy.
Many insurers make it simple and straightforward to make a home and contents insurance claim. Whether you are making a claim over the phone or online, you will need to provide your insurer with a few details, including:
Be sure to notify your insurer promptly in the event of loss or damage to your home and contents. This way, the process can get underway even if you don't have everything you'll need to finalise the claim. They may even assist in organising emergency repairs, to ensure your home building is habitable, or assist with temporary accommodation until the repairs are completed.
It is likely that you will need to pay an excess on your home and contents insurance claim. Any excess payable is clearly outlined in your policy.
Under-insurance can have dire consequences in the event that you need to make a claim. You may not receive a payout that adequately covers your costs. You may also find that the insurer can reduce your payout in proportion to the level of under-insurance.
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