Protect Your Let Property With the Right Kind home insurance quote buildings and contents insurance home insurance comparison of Insurance The recent floods in the United Kingdom have remaining many households without a home as a result of flood damage. Over the past year or two, the unseasonably high quantities of rainfall which have fallen in the summer months have caused an advanced of disruption. In some cases an entirely months rainfall fell in only 1 day causing a serious amount of damage as river banks burst and torrents of water flooded settlements. Buildings Insurance Buildings insurance covers the price of repairing or replacing the structural elements of your property. Clogged gutters may cause drainage problems, this also consequently can cause flooding that may damage the structure of your home. To avoid this happening it is usually recommended that you remain on surface of your gutter maintenance. Have you actually solved what your property contents actually cost? Studies have suggested how the figure ends A�45,000 (based on a 3 bedroom house with 2 adults and two children) for the typical house!! Try a quick calculation in say your living room...3 piece suite, carpets, rugs, tables, lights, ornaments, widescreen television and DVD player plus maybe lots of DVDs and CDs @A�10+ per item it soon adds up and bedrooms arent different once you add up exactly what the clothes, bed linen, jewelery etc have cost. The natural disasters, such as storm, flood along with the biblically named tempest;The oddly termed "civil commotion" - that a lot of of us are more inclined to recognise as riot;Fire, lightening and earthquake, explosions and impacts by vehicles, aircraft or animals;Subsidence and landslides;Escape of water (from burst pipes, automatic washers or dishwashers, by way of example), or oil leaking through the supply to your furnace;Accidental damage to pipes or cables carrying underground utilities and services;Breakage of glass fitted in windows, doors, roofs and greenhouses; and Breakage of glass and sanitary ware. Should any of the above occur to the house or property, you will have to make a claim. But before setting up a claim, keep in mind that your insurer will likely improve your premium with renewal following the claim, so try to include a premium hike in your calculations as well as such things as repair costs along with your excess. You may also lose your discount or "payback-bonus" once youve claimed. Also take this into account.