FAQ Insurance

Contents Insurance

Contents Insurance

We understand at FAQ Insurance that taking out contents insurance is an optional insurance policy, however we believe it’s still necessary. In the greater scheme of things it’s a small price to pay when you consider how much you could loose in the event of a disaster.

Tempting fate is one game we don’t like to play, especially when you could possibly loose the contents of your home to theft, fire or storm damage. Contents insurance cover is needed, otherwise you could be faced with a clean up bill that you might not be able to afford. Worse than that you’ll be living in the home with little or no contents, whilst the repairs are being done.

This kind of scenario can be avoided as contents insurance can be affordable if you don’t opt for the most expensive insurance policy. When you take out inexpensive contents insurance your home is protected and your monthly budget is still on track.

Contents insurance usually covers all of your household items, that aren’t considered  part of the actual structure of the home. Items like electrical goods, the clothing you wear, the furniture, and bits and pieces you own, should all be covered under the one policy. Strangely enough it may include the contents of your fridge/freezer.

Tenants you also need to be aware it’s not your responsibility to insure the landlords furniture under your contents insurance policy. If the landlord chooses not to take out contents insurance the consequences are for them to deal with. Always make sure you have a copy of their building insurance policy in case something happens to the property. Read more »

Office Contents Insurance

Office Contents Insurance

As a small business owner you probably dread the day you get a phone call telling you the office has been broken into, or some kind of natural calamity has struck the building you work in. Yet, many business people still don’t have office contents insurance.

Any small business that can’t afford to replace their office contents such as desks, computer gear, money etc for whatever reason should consider office contents insurance to be a necessary business expense. After all insurance could make the difference between continuing in business or needing to close down.

Numerous case studies have been done by insurance companies and small business advisory services on owners who have suffered catastrophic losses through fire, theft, or other natural disasters. A typical small business will have a fair percentage of the business assets tied up in office contents, whereas for larger corporations the exposure decreases substantially.

In the average small business computers, office furniture, data, and cash on hand simply cannot be replaced from the owners savings, usually the owner takes on a bank loan or invests a substantial part of their savings to start the business, so not taking out an office contents insurance policy is tantamount to business suicide.

Office contents insurance is generally considered affordable, and avoids the difficult need to rebuild the business assets, as well as meaning the business owner avoids needing to downsize whilst assets are repurchased. Too many business owners retrench part time staff after fire or theft of assets. Read more »

House & Contents Insurance

House & Contents Insurance

We like to think of our home as a sanctuary, a place where we can feel safe and comfortable with our families. A home is often the most valued asset we have that contains our worldly possessions, that go into making a house a home. Not having house & contents insurance directly impacts our quality of life and peace of mind.

Protecting your home with house & contents insurance will insure you can breathe easier knowing that you’re protected against the unthinkable. When looking for house insurance and or household insurance, policies can vary in price considerably, so it’s important to get several home insurance quotes and compare them to get the best price available.

If you don’t have time to go from one insurer to the next  you could always use an insurance price comparison tool. This tool is a convenient way to compare insurance quotes from a group of insurers to give you a competitive price for home insurance. Before using a tool like this it’s really important to know what you’re looking for so you’re covered by the right home insurance policy.

If you’ve never been insured for house & contents insurance before, our site is informative and will help to explain what you need to consider before taking out a home insurance policy. Read more »