A home insurance policy lets you protect your home from natural and man-made calamities like flood, burglary, earthquake etc ;.Thinking about your home itself, sometimes makes you feel relaxed. The memories of kids and loved ones always will bring a smile on your face wherever you are. If you were a bachelor, say when you are tired with work, you would die to lie on your sofa and take a nap. But what will happen when one day you wake up to see that your home is no more You have lost too much, as both property and money. Thought of that anytime! However, this would not have been the case if you had insured your home at the right time. Natural and man-made calamities can come at anytime. Even though you are not able to cover for your loved memories, you can atleast ensure the safety of the material aspects by switching in for a home insurance.

Home insurance can cover losses to the structure and contents of the home from any natural or man made calamities. The disasters that can be covered up are fire, earthquakes, storm, floods, explosion, landslides, etc;

You can get a number of benefits by taking a home insurance. The premium you have to pay is less than the cost of the structure of the home. The insurance policy makes you to cover up a number of things. It also makes it easy for you to buy a policy online.

So decided to go for a home insurance policy, why not try for TESCO home insurance Before planning for the Tesco home insurance, you need to know about it. So let us go into some detail.

Tesco Home Insurance

Tesco is a multinational company that offers a wide range of services in almost all fields like retail, finance, insurance etc;. Tesco provides home insurance with a lot of benefits. Here are some things that they offer; They cover buildings for up to 1 million Tailor your cover to suit your needs with additional cover options. Tesco home insurance policies are accepted by all major mortgage lenders.

Therefore, here is what is being covered when you go for home insurance.

Building and Content Insurance

There are lists of items that will be covered under the building insurance. They are as follows:

Loss/damage from fire, theft, storm, flood, burst pipes, vandalism, subsidence

Cost of alternative accommodation

The cost of damage resulting from a forced entry by the emergency services

Architects, surveyors, consultants and legal fees following damage

Outbuildings, including sheds and garages

Damage to plumbing by frozen or burst pipes

Accidental breakage to glass and bathroom ware

The items covered under the content insurance are as given below:

Loss/damage from fire, theft, storm, flood, burst pipes, vandalism, subsidence

Valuables such as jewellery, watches, paintings etc

Accidental damage to TVs, videos, DVD players, audio equipment, radios, computers

Money in the home

Contents temporarily removed from your home

Accidental Damage

In addition to this, you have the option to add some more under the additional option scheme

Personal possessions cover away from home

Family legal protection

Accidental damage

Policy Summary

Before going in for a policy, you need to know more about it. Here is a brief description about the policy, things covered and what you are covered for. Please refer the policy booklet for more details.

Features

The Home Policy purchased is underwritten by UK Insurance Limited and lasts for 12 months. The policy schedule will let you know which sections of the cover you have opted for.

Section 1- Buildings

What is covered Your home ,its walls ,patio, lawns etc; Permanent fixtures like kitchen unit, bathroom fittings, fitted wardrobes etc; Buildings outside the home such as garages, sheds etc;

Paragraph A What are you covered for Loss or Damage Fire

Storm or Flood Escape of water Theft Vandalism or malicious acts Subsidence

Paragraph B-

Additional Cover Damage to plumbing installation due to burst pipes. Accidental breakage of windows Loss or damage to building due to forced entry by fireforce or police men.

Paragraph C

Accidental Damage Cover Extra accidental damage cover for accidents like drilling into a pipe or cable,

Section 2- Contents

What is covered Household items like carpets,curtains etc; Personal belongings in the home , garage Money in the home Paragraph A- Loss or damage What are you covered for Fire Storm or Flood Escape of water Theft Vandalism or malicious acts

Paragraph B-Additional cover Accidental damage to TVs, videos, audio and home computer equipment Contents that hve been temporarily shifted to another home. Contents in the garden up to 500 Freezer contents up to 250.

Paragraph C- Accidental Damage Cover Extra cover for accidental breakage of items like vases , ornaments etc;

Exclusions and Limits- Summary

This portion gives a summary of the exclusion and limits in the policy

Section 1- Buildings

The policy you have taken does not pay for the following caused by a paying guest or tenant or family member Theft or attempted theft Vandalism or malicious acts Accidental breakage of fixed glass and sanitary ware Accidental damage If your home has been unoccupied for more than 30 consecutive days ,your policy will not pay for Theft Malicious actsEscape of water or oil Damage to plumbing insallation Accidental breakage of sanitary ware Accidental breakage The policy will not pay you for damage caused by pets.

Section 2- Contents

The policy you have endorsed for will not pay for the following caused by a paying guest or tenant or family member Theft or attempted theft Vandalism or malicious acts Accidental breakage of glass and mirrors Accidental damage to TVs, videos, audio and home computer equipment Accidental damage If your home has been unoccupied for more than 30 consecutive days ,your policy will not pay for Theft Malicious acts Escape of water or oil Contents in the garden Damage to plumbing insallation Accidental breakage of sanitary ware Accidental breakage to TVs, video or other electronic items The policy will not pay you for damage caused by pets.

You have the right to cancel.

You have the full right to cacel the policy if you are not satisfied. This must be done within 14 days prior to you have not claimed anything with the policy.

Certain Conditions

• Policy terms and conditions

Any person entitled to the policy should obey the terms and conditions

• Prevention of Loss

You and any other benefactor must take all reasonable steps:

• Cancellation

Before going in for a policy ,be sure to get a copy of the policy document and read.If the terms and conditions agree,you can go for it. Otherwise you have the freedom to choose another one. So GOOD LUCK!