Relocating Householders advised to seek Home Insurance

Amid all the chaos of moving into your new property home insurance may be the last item on your mind to organise, but you are advised to get your recently-purchased house protected as soon as possible.

Global retailer Tesco recently released tips aimed at smoothing the transition from your previous property to your new one. Of prime importance is making sure you have insurance in place that can provide funds if your home is damaged in some way.

The company urges householders to seek appropriate buildings and contents cover so if you are the victim of floods or fire, for example, you can replace belongings and pay for repairs. In order to make sure you are adequately covered by your policy it is advised to have all the details of your new property to hand before seeking a quote. For instance insurers often need to know the make of your security devices and alarms to calculate your premiums and compiling details beforehand can save you time.

If your move is accompanied by new fixtures and fittings, it is worth letting your insurance company know you have purchased costly items as they can adjust your cover to protect them. In addition, do not forget to mention new electrical appliances that you have recently purchased as these will also help to make up the price of your premium and will ensure you can replace items following unforeseen events, including theft.

When searching for an affordable deal you may like to shop around and check out the policies offered by other companies to see which suits you and your new home best. Debra Williams, from Tesco, explained that finding the right policy to protect your home can help ease the strain of moving into a new property.

"There are many things you can do to take the stress out of moving and save yourself some money," she said.

"Making sure you have the right home insurance in place for your new home can offer you peace of mind."

As well as protection from devastating incidences like floods and storms, many policies can offer funds for smaller-scale events that also affect your property, such as oil leaks and spoiled food due to electrical failure.

You may also like to consider going with an insurer that offers Accidental Damage cover, which can protect your home and belongings from mishaps. A further option available from some companies is All Risks cover that provides payouts for items that are lost or damaged if they are taken overseas.