best house insurance

[dmax]

we want house insurance but we do not have a lot of receipts for old gold bracelets and figurines and some electrical items, if we were to have a breakin would we get denied for these items if they were ever stolen, santander wants us to take insurance out, it didnt enter our minds but i think we might just get it.

[Dodger666]

Take photograhps of all your valuables and keep somewhere safe. I believe any reputable insurance company would pay up if they were to be stolen.

Write on the backs of the photos the quality of the gold plus anything else you can think of to describe the article fully, icluding purchase price if you can remember it.

[tamborine]

you only get the 2nd hand replaceable value - not worth listing individually as the premiums increased accordingly.

[Hymie]

My advice is to buy a safe in which to keep your valuables (old gold etc), it is also a good location for important documents such as passports etc. You can buy one from around £20 – similar to those found in hotel rooms.

Next consider an alarm, best buy a wireless type to make installation easy (circa £100).

Next consider a cctv security system, again they can be purchased from less then £200.

Imagine you are your local neighbourhood scum – which house are you going to burgle, the one with an alarm & cctv security system, or the one without?

[JackDanielsU]

the company i work for requests anything over £1,500 is noted and has a valuation cert - jewellers can get these done if needs be

as stated below its a good idea to have photos of items of jewellery etc, and ensuring security is paramount (and can usually lead to a discount if theres an alarm and youre in a Neighbourhood watch area)

[trt]

If I was your local neighborhood scum like what Hymie stated, I would go for a house that had a CCTV security system and an alarm as that would be the best place to find valuables.

[trt]

Sorry I forgot to add.
Going by Hymie's advice the cost of security to your house would cost about £320......... if you were lucky.
But your household insurance would only cost about £200, depending how much gold and electrical items you have..

[Hymie]

My house is fitted with an alarm and cctv system – not that I have anything of particular value. Should the local neighbourhood scum decide to burgle my house, they need to bring along an extensive tool kit to get access to the cctv recording device. Even cutting the mains power will not prevent the unit from continuing to record.

Insuring your house for 10 years with trt’s insurance company will cost £2,000. An alarm and cctv system will cost around £350 including the electricity to power them.

[woozer]

If you only want cover in the house then ask the insurer what their single itme limit is and at what value they would require an uptodate valuation.
Most modern policies are written on a New for Old basis so on one of those you will get exactly that and not second hand value. Check this when you buy.

If you want cover on items you take outside the home discuss it with the insurer. For lower value items a photo should suffice if you write and tell them when you take out the policy that you have had the items ages and no longer have receipts.
For higher value items a valuation (less than 3 years old) is usually required. This confirms the value of the item and also proves you still have it. Thus asafeguarding you and the insurer.