Historic home insurance for owners of old, historic houses

Historic homes are part of our heritage and need to be protected. The best way to do this is with historic house insurance, which covers the rare and expensive features of the house that a regular home insurance policy would not cover.

If you live in a historic home or plan on moving into one then you will want to sign up for this insurance so you can protect this valuable property. These beautiful homes stand as part of the country’s history, and the aim is for them to continue to stand for many years to come so that they can be enjoyed by future generations. What is so special about these homes is that they will typically employ rare materials or boast special features such as hardwood floors, hand crafted features or perhaps a slate roof. Features such as these are no doubt what attracted you to the property in the first place, but the drawback of such brilliant features is that they can be hugely expensive and also difficult to repair or replace.

You will find that regular home insurance will not cover these aspects, and therefore you will need a special policy known as historic home insurance to ensure you have complete cover if any damages occur. These policies are slightly more expensive than normal, but you do not want to have to replace these features yourself and you will want to protect the history that the home carries with it. Home owners can lower premiums by taking measures to protect the property such as adding fire and burglar alarms as well, so this is certainly worthwhile doing.

Ensure that your beautiful home is fully covered and that it can carry on being part of our history by taking out a historic house insurance policy.

Cover two parties under one policy with joint names insurance

Find out about an insurance policy which will see two or perhaps more parties covered under one policy. This is typically taken out when an employer and contractor situation occurs – a joint names policy means that you can claim insurance regardless of fault.

It is sometimes beneficial for two parties to be insured under one policy together, with an employer and a contractor commonly joined under one policy when they enter into a contract to have construction work done on a property.

There are a few advantages that this type of policy has over regular insurance policies. For example. both parties involved can avoid any difficult situations where fault has to be found, and this can save time and money putting the situation right. Each party under the insurance policy will be under the same rules as usual and they both carry the legal rights to claim against the insurer if something goes wrong. The insurer does not carry the right however for subrogation against the other party.

This type of insurance policy is typically known as joint names insurance and, as well as the employer and contractor being covered under this policy, other parties such as funders can be added to the policy. This way, if any unforeseen damages occur or if any other situation occurs then all of the parties involved can claim, regardless of fault, and this will make the whole process a lot simpler and save any discrepancies from happening also. If this sounds like a policy that you think would be worthwhile for any time you are having work done or might be employing a contractor then be sure to contact an insurance company who can offer this.

UK’s One Third Population Does not have a Life Insurance

People living in UK are not much concerned about their life; they are living at high risk. A research was carried out by Scottish Provident which found out some shocking facts. As per the research a high number of people residing in UK do not have a life insurance policy.

As per the study 31% of the adults have not made any arrangements for any emergency financial needs. They depend solely on their income, this means they do not have any proper financial planning for future or for any urgency situation.

Further 17% of the adults said if any emergency arises, they will rely on their credit cards and will pay the debt later on. This means they are ready to borrow money and later on pay high interest rate on it and pay it back. In most of the cases, people tend to take high advantage of their credit cards and end up spending more than what is required.

58% of the adults do not have any insurance policy or any asset that would be of use to them when they need it.

From the results of the study Scottish Provident has brought the real picture into light. The results clearly indicate that UK citizens are ignoring the need of a life insurance policy. They forget that an insurance cover will be of great financial help to them when any unexpected emergency arises and even after the death of the policy holder his family is financially secured. Insurance companies across UK are trying to put convey this message to people and urging them to buy a life insurance policy. One third of UK is uninsured, which means more than one third of UK is living a risky life.

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