The Importance Of Having Contents Insurance For Your Home

by Guest on October 2, 2012

Do you have ceramic hobs (in fixed appliances), sanitary ware and fixed glass in your home? Learn how to take care of them and make sure they’re covered by home insurance.

When people think about taking out contents insurance, it’s mainly for the things they value most. After all, they want to protect their jewellery, electrical items and, of course, all 236 episodes in their Friends DVD box set.

Joking aside, if you’ve been looking into buildings insurance quotes, it’s a good idea to make sure you cover the things you might otherwise take for granted – such as the ceramic hobs on your cooker, and even your bathroom sink. If they accidentally get broken or damaged, they can be expensive to fix or replace.

Is your bathroom suite covered?

The last thing you might think to get cover for is your bathroom sanitary ware – which basically means anything that’s plumbed in, including your bathroom sink or washbasin, toilet and bidet. Many home and buildings insurance policies cover sanitary ware, although it’s wise to double check, just to make sure. The same goes for fixed glass, such as glass found in your furniture, as well as mirrors and shelving.

Of course, in the same way you might lock away your jewellery and other valuable possessions in a safe, it’s important you do what you can to look after and protect things like your cooker’s ceramic hob from accidental damage. Here are some ideas to help you do just that:

How to protect glass ceramic hobs

Don’t use any harsh and abrasive cleaning products as this can damage the surface over time. And don’t bang pots and pans down on to it, as it could crack or fully break the surface.

How to look after your ceramic bathroom suite

Ceramic bathroom sinks, toilets and bidets are easy to keep clean, although to maintain the quality of the ceramic glaze, it’s important not to use harsh cleaning products. If you do use abrasive substances, this is likely to crack the glaze and lead to discoloration.

If you’re putting in a new bathroom suite, hire a professional plumber – they will make sure all the connections are properly sealed and that the fixtures are firmly attached to the wall or floor.

How to take care of fixed glass

Glass shelves, glass in furniture and mirrors are great for making a room or space appear bigger – but they’re a nightmare if they break. When it comes to mirrors that are hung on the wall, make sure the fastening is as secure as possible. For glass shelves, check that the fixings are strong enough to keep the shelf in place – and remember, don’t put anything too heavy on them. For added protection, try where possible to use toughened glass.

Taking these simple steps should help prolong the life of the things you might otherwise take for granted. But because accidents do happen, it’s also a good idea to make sure you’ve got a quality home and buildings insurance policy in place.

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