Every now and then we get asked questions that we feel should be answered but aren't covered in our home guides.
Q) Can I use my Homeowners Insurance on a theft from my car while it was parked at home?
A) There is cover for personal effects under the motor insurers for a small amount, however, depending on what has been stolen from the vehicle, will be dependent on the cover provided by the home insurer. For example the theft of a laptop from an unattended vehicle is not normally covered.
Q) Do you have to have a survey of your home to get homeowners insurance?
A) No having a survey is not a requirement, however, the survey may be helpful to establish the rebuilding costs of the property for insurance purposes.
Q) How often should I inspect the home for insurance purposes?
A) All homes should be checked at least once every 14 days if the property is unoccupied and a detailed itenery of visits maintained. There may be other cover restrictions that could apply and as such you should always refer to your policy.
Q) Are Home Foundation Repairs Covered by Home Insurance?
A) The repairs to foundations are included as a result of the insurable perils under the policy, such as Landslip/heave and subsidence. But not as a result of faulty workmanship.