Home Insurance For Home Decorating

Here are some steps you should consider:

• Add your latest contents to your policy: If you've brought new items into the home over the Christmas period ensure your policy is up to date. You don't want to break something new and then find you weren't covered.
• Ensure you have accidental damage cover: Paint spills, dropped ornaments and other breakages will only be covered under the accidental damage element of a policy. Generally accidental damage cover will add around 25 per cent to the cost of a premium.
• Cover yourself against liability: If a friend is helping you with your DIY work, make sure you are covered against liability for any injuries that occur.
• Contact your insurance provider for extensive work: If you plan to add a new room to a house or improve the property with an extension then contact your home insurance provider ahead of time to ensure you're covered for any structural changes and the work that takes place.
• Adjust the rebuild value of your home: The top home improvement is a loft conversion, which typically adds more than £22,000 to the value of a home. More cosmetic improvements such as decking and flooring can also add to a property's value. Make sure you cover the new rebuild value of your home rather than its new retail value.
• Remember prevention is better than cure: If you're decorating a home it's a lot better to avoid an accident altogether than it is to make an expensive home insurance claim. To reduce the chances of an accident occurring, remove all items from a room before you begin any DIY work, and place sheets down over carpets and furniture in case of paint spillages.

Alex_Gregory