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25 Oct 2013

House price increases: Protecting the value of your home

The last few months have seen the UK emerge from the worst of the financial downturn. Although there is a long way to go until things return to the way they were, it would seem that sentiment is improving among both businesses and consumers - and the country's financial situation is slowly starting to recover.

One area that has seen the best of the economic improvements is the property market, as house values and confidence among buyers has advanced steadily so far in 2013.

These improvements have been backed up by official data, with the Office for National Statistics recently announcing that house prices increased by 3.1 per cent during the 12 months to June - representing a 2.9 per cent increase from the previous month.

In addition, the Royal Institution of Chartered Surveyors recently announced that values are rising at their fastest rate since November 2006.

Analysts have claimed improvements in the property market have been pushed forward thanks to a higher take-up of the government's Help to Buy scheme - though the top end of the sector seems to have been mostly unaffected by the recession and its after-effects.

Protecting your assets

Although ensuring you have a valid home insurance policy in place is vital at any time, the improved economic sentiment being felt across the UK should act as encouragement to those householders who have not renewed their cover for some time.

Depending on how much you wish to pay, homeowners can enjoy the peace of mind associated with knowing that their family treasures - and the structure of their home itself - are covered in case anything goes wrong.

Not only will a good policy save you money in the event that something happens to your house or the items inside it, insurance providers can also help with other matters - including ensuring your property is resistant to natural disasters.

Catering your policy

Before deciding which type of policy you would like to acquire, it is important to consider the value of items in your property. Very often, consumers will undervalue the gadgets and collectibles found in their home, which could leave them in the dark if something goes wrong.

High-value homes

With economic sentiment improving across the country, those families living in high-value properties could be expecting to see a marked increase in the cost of their home. And while this is likely to be the case, the progress also illustrates the importance of ensuring you have a valid insurance policy in place.

Here at Certis, high-value homeowners can rest assured that their property and belongings are well protected, should one of life's little mishaps occur.

In the majority of cases, standard home insurance cover will not be suitable for protecting high-value homes, as these agreements generally do not insure items including antiques, jewellery or fine art.

However, our insurance experts work to understand your individual circumstances - offering high value contents insurance that matches your needs.

What is covered?

Depending on the net worth of your property, high value home insurance will cover items including priceless antiques and valuable jewellery. Collectible items and expensive wines will also be properly evaluated by our team.

Homeowners are advised to opt for a policy that protects valuable items when they are away from home as well to ensure they can still be covered, even if you were not present when the incident took place.
Category: Medhead tips

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