Home Insurance

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If you already have home insurance, be sure you are aware of what it covers. Many people believe that the contents of their home are protected within their home insurance, but this is very often not the case. Home insurance is actually split into two parts, building Insurance and contents Insurance.
Building Insurance
Building insurance covers the cost of rebuilding your home. For this reason it should not be based on the market value of the property, but instead the actual cost of hiring the tradesmen that do the work, including architects, and the materials, equipment and machinery they need.
Contents Insurance
Contents insurance covers the fixtures and valuables in your home. Haden Welbeck advises you on how to ensure you do not undervalue your home contents; we help you determine the correct value of your belongings to ensure you are fully protected.
Contact one of our experienced insurance advisors to discuss your home insurance and they will help determine the best home insurance policy for you, so that along with reliable protection, you also gain complete peace of mind.
Information about buying insurance and the 'keyfacts' documentation provided by insurers is provided by the Financial Services Authority on its website and can be accessed by clicking here
Duty of Disclosure
It is important that you understand that any information, statements or answers made by you to us or your insurer are your responsibility and must be correct. Your attention is particularly drawn to the importance of the declaration and signature on any Insurers' Proposal Forms, as any failure to disclose facts material to the insurance or any inaccuracies in your answers may invalidate your insurance cover in part or in whole. Facts material to the insurance are matters of information which may influence your Insurer as to the acceptability or otherwise of your Proposal or Renewal and must be disclosed at the earliest opportunity and certainly at each renewal. You are advised to keep copies of documentation sent to or received from us for your own protection. Please do consult us if you are in doubt on any aspect.
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