5 Reasons Why You Shouldnt Drink and Drive For most of us mere mortals, the monthly prices are somewhat of a juggling act. You need to watch your groceries, only put $10 petrol in a car some days, postpone buying birthday presents to get a little while, and always, ALWAYS look for the cheaper option! What this translates to negative credit both home/contents insurance and car, is you end up sacrificing a number of the extra cover items which means that your entire budget will be a bit more balanced, along with the number in the little black square towards the top of the page isnt quite so scary. What then happens, unfortunately, is a celebration which may happen to be covered buildings and contents insurance on an extra $20 within your policy eventually ends up as being a hundreds dollar repair bill. Today we are looking at the best way to enjoy those extras in your insurance, without putting just one more juggling ball in the rotation thats your monthly budget! There are two types of home insurance policy - buildings cover and contents cover. The former covers your building itself, such as the rebuild cost if your property be destroyed by say, fire along with the latter covers loss or injury to things inside the property itself. If you might be a homeowner you should have both whereas if youre a tenant, you are only likely to need contents cover. If you get home and believe a burglar alarm can always have your own home, dont go into - search for a neighbours house and call law enforcement. Report the offence and ensure you receive a crime reference number as your own home insurance provider will need this for just about any claim. When you can walk into, try not to move or touch any products in your own home because this could damage potential evidence such as fingerprints. Wait until the authorities arrive - theyre going to confirm what you could touch before the scene of crime officers visit. Indeed, an inability to get contents insurance indicates that, if your rented property be targeted by vandals or why not be damaged by fire or flood, as an example, youll need to satisfy the cost of replacing your personal property from the own pocket. It is unlikely that your particular landlords building insurance will handle your goods. 4) Get your valuable items professionally valued. Sure there will be items that you just cannot put a money value to. For example should you own things that once belonged to your deceased family member. I would suggest you put money into some additional to protect these specific items for instance a home safe or if the value is considerable a bank security box.