Home insurance questions

Buildings cover usually concerns the physical structure and permanent fixtures. Contents cover concerns movable belongings such as furniture, appliances and clothing. Sectional-title arrangements can add further distinctions.

Work room by room and estimate what it would cost to replace each item new today. Keep photographs, receipts or other ownership records where practical, and review the total regularly.

A policy may include sudden geyser damage and related water loss, but cover commonly contains conditions, limits and maintenance requirements. Check the wording and schedule for the particular property.

Usually, rebuilding cost is the key consideration rather than the market value of the land and home. A professional rebuilding valuation may be appropriate for more complex properties.

Not automatically. Portable cover may be needed for items regularly carried away from home. Confirm the schedule and item-specific limit.

Receipts, photographs, valuations and serial numbers can help establish ownership and value, although requirements depend on the policy and claim.

Personal liability insurance may address certain legal-liability claims against an individual or household for accidental injury or property damage to others, subject to the policy, limits, exclusions and circumstances. It may be included within some household policies or require separate consideration. Best Care is a brokerage; availability and terms must be verified before reliance.

Start by comparing how the wording deals with accidental injury to others, damage to third-party property and household and family-member questions. Then review the limit, excess, exclusions, policy basis and any specialist conditions attached to exclusions for business and deliberate acts.