The Definitive Guide to Home Content Insurance

Our possessions are the things that we hold dear to us. A box of photographs. A smart phone. Our television sets. Often, we find that our possessions have sentimental or financial significance. Possessions or the contents of our home are the things that we want to protect the most. After all, you’ve worked hard for them. You want to ensure that your hard work has not been in vain. That’s why so many people choose to have a home contents insurance plan.
 
But, what exactly does it cover? What are the benefits of taking out this type of policy?  When it comes to home contents insurance, there are some simple things that you need to be aware of.
 
What is Home Content Insurance?
 
Contents insurance, in short, covers an individual for all of their possessions that are contained within the home. Do note that this doesn’t cover a policyholder for ‘the home’ itself. As such, contents insurance ensures that the ‘things’ within your property are included.
 
Home Insurance Content: What Does it Cover?
 
Contents insurance can protect a policyholder from any incident that happens in the home. Typically, you can be covered for any damage that arises within the property. Lightning, fire and vandalism can be covered under a contents insurance plan. But, damage that has resulted from water leaks are usually included. Often, acts of theft can be covered with this kind of policy. Sometimes, a policy can be more robust. As such, protection can be obtained for freezer breakdown, thus covering the cost of the food that is within the freezer.
 
In short, contents insurance can ensure that you are protected against all kinds of eventualities that arise within the home.
 
Breaking Down the Content Insurance Plan
 
Of course, as with any insurance policy, there is not a one size fits all solution to home contents. On the contrary, there are a number of optional extras that a policyholder can seek out.
 
Accidental Damage
 
Accidental damage can occur for a number of reasons. We often find ourselves accidentally breaking things. For high-value goods, it can be daunting to think that we have to replace them. But, some policies can safeguard the policyholder against accidental damage to contents within the home. In some cases, this can come as standard. But, there might be a cap on the amount that you can claim for. It may be worth checking over a policy and seeing if accidental damage is something that you need.
 
Personal Possessions
 
For those that head out on the commute every day, it may be worth knowing that personal possessions can be protected under a home contents plan. This level of cover can be a great way of safeguarding things like handbags and portable devices. Phones, cameras and purses can be lost or stolen. As such, this can be covered by your policy. It’s always worth checking what can be included with this level of cover as some restrictions may apply.
 
Is it Worth Paying a Premium for Home Content Insurance?
 
Protecting your assets is important. Often, paying a lesser premium can result in some items not being covered in your policy. But, if you are confident that have everything covered, a low plan that includes minimal contents could be the right move. It’s vital to know that payment plans can be set up to ensure that your level of cover is right for you. After all, you shouldn’t have to compromise security over price.

LED Strip Lighting – A Cost Effective, Easy To Use Essential For Around The Home

Installing your perfect lighting strategy whilst you’re building your dream home or ripping out walls to make room for wires is one thing, but what happens when you’ve finished painting and decorating only to think “oh I wish I’d added some lights here”? We’ve all been there; installed a variety of lights that we think look great, added a coat of paint, stepped back and wished we’d planned better.

Thankfully, a lighting solution is at hand. And they’re called LED strip lights.

LED strip lights are a perfect solution for any home or business owner wishing to create an ambient setting around their home and best of all, there’s no need to cut holes in walls.

LED strip lights are almost completely customisable and benefit from an adhesive backing strip, meaning they can be installed instantly. In addition, LED strip lights can be cut after every three lights and reattached seamlessly via a ready-made connector.

To help highlight just how great these lights can be, we’ve put together a top 3 list of great uses for LED strip lights. We’re sure you’ll find these ideas ‘illuminating’.

Kitchen Lighting 

Kitchen lighting is something often overlooked by homeowners, as often people will settle for bright white lights. Let’s face it you need to see what you’re doing when boiling water, chopping vegetables or preparing any food, so a bright white light is definitely a good idea. But what about those little alcoves under cabinets and intricate features of your kitchen? The kitchen is the heart of the home and a buzzing hive of activity when you’re entertaining guests, but no one wants to be faced with a continuous bright light all night. Adding some ambient lighting underneath or above cupboards can really create a great atmosphere that your guests will enjoy. Additionally, this type of lighting is a better option for family members who want to chill out whilst they enjoy a cup of coffee. Perfect!

Staircase lighting 

Perhaps the most criminally underrated and ignored design feature of the home is the staircase. The staircase is usually the first thing you and your guests see when you enter the home, so why ignore it? LED strip lights illuminate the stairs effectively which acts as a safety feature, but also bathes the hallway in a warm ambient light. By adding some strip lights hidden underneath the bannister you create a complete lighting strategy that is warm and welcoming, something that really ties the room together.

Bedroom lighting 

Sick of that old lifeless lamp? LED strip lights might be the perfect solution for you. Your bedroom is your safe haven, your place to relax and unwind so your lighting strategy should reflect that. LED strip lights can be easily placed behind and under dressers as well as under beds. This not only gives the appearance that your furniture is floating, but provides that relaxing ambient light you need to read or relax. Best of all, there’s no installation problems as the adhesive strip and reconnecting LED lights are easily placed anywhere you like, with the power easily plugged into the mains.

So there you have it, 3 top places in the home that can really benefit from LED strip lights. To view a complete collection of fantastic, easy to install LED lighting solutions, BrightLightz stock one of the largest selections in the UK.