The most important question you will answer when getting your building insurance is the one about your building sum insured (BSI). This figure is also referred to as the reinstatement value of the property and should be representative of the full rebuilding cost of the home. A common mistake made when getting this type of insurance is to provide the value of the building.

There are many calculators available for people to generate the BSI of their house, but these all provide different figures and cannot be relied on as correct. The only accurate way to obtain this figure is from an up to date building survey from a professional surveyor of buildings.

Sum insureds that are wrongly provided can lead to problems in claims.

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Land Insurance is something that more and more people are looking for these days, especially in the times of personal accident claims and liability claims being made against people. Land Insurance is something that is not very common and there are only a few insurers that can actually offer a quotation on this but it is something that you may feel is necessary or even something that you could insure as a precaution.

Land Insurance is where you can get insurance to protect yourself for anything that may happen on your land through which you could be held liable and sued.

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One of the main things that people ask about when they are getting a Landlords Insurance quotation is whether or not it includes Property Owners Liability Insurance and if so, how much is the limit on it. There may also be some of you out there that are unfamiliar with what exactly this is but in this article I will try to explain anything that you may want to know about it and explain what it can be used for, after all it is something that is standard and included in nearly all Landlords Insurance Policies.

Generally the limit set on claims of this type is £2,000,000 however with most insurers there is an option to increase this cover amount to £5,000,000. T

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Many people are aware of Public Liability Insurance, which is insurance to protect you against any third party damage or injury that you may cause during the course of your work, and in many cases the people that you undertake work for will require that you have the insurance even though it is not a legally compulsory insurance, unlike things like car insurance that you have to have by law. Apart from the Public Liability Insurance there are also a number of extras you can get on the policy that can increase the amount of cover that you receive and insure against other aspects of the work that you undertake.

Employers Liability Insurance: -

Employers Liability Insurance is something that most insurers will generally only allow you to get if you have Public Liability Insurance already.

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You may have seen the term Escape of Water on your property insurance policy. It is one of the most common types of claim made on such a policy but do you know exactly what escape of water is?

The biggest misconception with this section of cover is that is protects you against all water damage in the home. Well this is certainly not the case. If a flood occurs (for example, a river over flowing its banks) then this would not be classed as escape of water damage but instead as flood damage. Another example would be adverse weather conditions causing damage to the home and then rain gets in a damages the property.

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