As summer winds down and the colder months approach, now is the perfect time to review your home insurance. Whether you’re a first-time buyer, a long-term homeowner, or juggling multiple properties, having the right cover in place is essential to protect against unexpected costs and damage.
In this guide, we’ll explain what home insurance includes, why it’s important to review your policy regularly, and how Carbon Insurance Brokers can help you stay fully protected as we head into autumn.
What Does Home Insurance Cover?
Home insurance is designed to safeguard your property and possessions from risks that could otherwise lead to major financial loss. The main types of cover include:
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Buildings Insurance: Protects the structure of your home, including walls, roof, and fixtures, against damage from fire, storms, flooding, or subsidence.
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Contents Insurance: Covers your belongings (furniture, appliances, clothing, valuables) if they’re stolen, damaged, or destroyed.
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Combined Policies: A convenient option that includes both buildings and contents insurance under a single policy.
Optional add-ons may include:
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Accidental damage cover for unexpected incidents (like drilling into a pipe).
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Home emergency cover for urgent repairs to utilities or heating systems.
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Legal expenses cover to handle disputes or claims involving your property.
Have a property that’s outside of the box? We also offer non-standard home insurance.
Why Review Your Home Insurance in August?
With autumn and winter bringing increased risks of storms, flooding, and cold-weather damage, August is an ideal month to review your home insurance. Here’s why:
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Summer renovations: If you’ve made home improvements, your policy may need updating to reflect its increased value.
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Changing weather risks: Storm damage, burst pipes, and roof issues become more common in colder months.
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Updated contents: New furniture, electronics, or valuables added over summer may need additional cover.
Reviewing your policy now helps you avoid being underinsured when you need protection most.
Common Home Insurance Mistakes to Avoid
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Underestimating rebuild costs:
Many homeowners underestimate the cost to rebuild their property, which can result in insufficient cover during a claim. -
Not listing high-value items:
Jewelry, artwork, or expensive gadgets often need to be declared separately to ensure full cover. -
Ignoring exclusions:
Not all policies include accidental damage or home emergency cover as standard. -
Not updating after renovations:
Extensions or major refurbishments can change your insurance needs – failing to notify your insurer may invalidate your policy.
Why Use a Specialist Broker Like Carbon
Buying home insurance online might seem quick and easy, but it often leads to generic cover that doesn’t account for your home’s unique risks. By working with Carbon Insurance Brokers we can ensure we:
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Review your property and belongings in detail.
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Find tailored cover that fits your needs and budget.
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Offer advice on optional extras that may benefit you.
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Handle complex or non-standard homes that comparison sites can’t.
Our aim is to make home insurance simple, clear, and reliable, giving you complete peace of mind year-round.
Get in touch with us today for tailored advice and policies that protect your home, contents, and peace of mind.
