How can i find this out about a policy?

Alloneword

OK I live in social housing so no need to worry about buildings insurance (if i'm wrong please tell me), but i am looking for some kind of contents insurance however apart from the usual things one needs to look out for how can i find out how much and for how long an insurance company will pay for alternative accomadation?

If i was flooded our burnt out they normally agree to rehouse you somewhere in either a hotel or another rented apartment etc, so when i hit comapretherats.com or whoever is there a way to find this info out apart from ringing every single one of them?

The reason i'm asking is we all know social housing is very short and i have no idea how long i could be out of my home if the worst was too happen?


All1

FreddieFrugal

http://defaqto.com/star-ratings/home-insurance?ProductTypeView=StarRatingsCenter_HomeInsurance_Contents_ProductDetails&Ratings=&Products=&Product=&Search=&Sort=


If you click on 'more' next to the insurance providers it shows how much they provide for alternative accommodation.

The ones I clicked on said 20% of value of contents insured. Then look on the providers website for their policy booklet for additional details.

AA says: Up to 20% of the insured value for any one claim in respect of costs we have agreed in advance for alternative
accommodation (which is of a similar size and standard to your home) and cost of temporary storage of the contents if your home cannot be lived in as a result of loss or damage insured by this section of the policy.

If it's structural damage rather than damage to contents that means it can't be lived in then it would be the council and their insurances responsibility.

You are correct that you do not need buildings cover.

FutureGirl

I would recommend finding your tenancy agreement and photocopying it though.

When it comes to making a claim for things that are classed as buildings IE Windows and doors, the insurer may ask to see the tenancy agreement to show the insurer that you are responsible for them. This would also be the case if you have vinyl flooring or wooden flooring as well.