Buying Home Insurance – John Lewis Insurance Video Guide
London, UK (PRWEB) October 28, 2011
Buying Home Insurance:
We all know that buying Home Insurance can be confusing at the best of times. Do you want to protect your buildings, your contents or both? Policies vary in cost but the really important bit is how much they actually cover you for. This can make it difficult to work out who?s really providing great levels of cover while still offering value for money.
First of all, you should think about the kind of cover you need – buildings insurance, contents insurance or both?
Contents insurance covers all the possessions you?ve got in your home.
It covers you against your property being stolen and some policies also cover you if something gets damaged by accident ? like if you spill red wine on your carpet.
If you have buildings insurance, this protects your building, including any outbuildings, such as sheds, against things like flooding, fire and subsidence. When you?re looking for insurance, remember that the details of every building and contents policy will be different. Make sure you check the exclusions – the things the policy won?t cover.
Secondly, you should think about what you want your Home Insurance to include.
For example, do you have any high-value jewellery? Or garden furniture you want to protect?
Look for wide-ranging cover with a good selection of features. Most providers will allow you to add cover to your policy, such as Accidental Damage, Home Emergency or Personal Possessions cover. It really is worth studying the policy detail to find out who offers what.
Do you have an unusual or unique property?
Every home is unique, but some need extra levels of cover. For example, if you have a large number of bedrooms or a thatched roof, a standard policy may not give you the amount of insurance you need.
Try and look for a policy specifically designed for your home. We provide that with our Specialist Home Insurance.
Next, you?ll need to think about valuing your home and its contents.
Every Home Insurance policy will offer different levels of cover for all the things in your home.
A sum insured policy will pay up to a specific amount when you make a claim. For this type of policy, you?ll need to work out the value of everything in your home, as well as the cost of rebuilding it.
Because this can be difficult to do, some companies offer home insurance without this limit ? so you don’t have to work out all the separate values.
Insuring special items
Most Home Insurance policies will normally include cover for your valuables such as jewellery, watches, works of art and paintings. But? you might have to specify items individually if they are worth more than a set amount.
Once you?ve decided what you?re looking for, it?s helpful to be prepared before you start the quotation process.
So what should you have to hand when you?re getting a quote?
You?ll need all your personal details
The property details, such as the year it was built, details of security devices and details of any subsidence
Plus, the date you want your insurance to start.
And finally, try to choose a reputable insurance provider that you can trust. Finding good value Home Insurance is important and knowing that you and your home are protected should the worst happen will give you valuable peace of mind.
Find out more about how John Lewis Home Insurance is with you when it matters.
About John Lewis Insurance
John Lewis Insurance (formerly Greenbee) works with a panel of carefully chosen insurers to offer a full range of insurance products and services. And as part of the John Lewis Partnership, they believe that everything they do should be straightforward, great value and come with a reassuring extra level of service.
John Lewis plc is an appointed representative of AXA Insurance UK plc, which is authorised and regulated by the Financial Services Authority (FSA).
Terms, conditions, limitations, exclusions and eligibility criteria apply. A full copy of the policy wording and the insurance complaints procedure are available on request.
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Free Guide To Buying Garden Furniture
Your garden is an extension of your home, and creating an outdoor living room is an easy way to add extra space to any home. All you have to do is choose the right garden furniture.
So, just as you choose a sofa or a dining set, you want to make the right decision when it comes to choosing your garden furniture. There are two major factors to bear in mind: what do you want your furniture for, and what materials will your garden furniture be made of.
First, think about how you will use your garden furniture. Are you going to have lots of barbecues and larger gatherings, or is your garden a haven for just the two of you? Or maybe you have a larger garden, and want to create several seating areas – one for dining, one for catching the late evening sun where you can relax with a book, and a secluded little area where you can enjoy a morning coffee and a magazine once everyone else has gone off to school or work.
For those barbecues, think about a large rectangular table (36-46in), which will comfortably seat 4 or 6 people. Dining-style chairs with high backs (and cushions) will be more comfortable.
If space is limited, and you don’t think you’ll use your larger garden furniture on a regular basis, think about choosing chairs and tables that can be folded up, and stacked in a garage or shed. Folding chairs are useful when you have extra guests.
For an intimate arrangement, bistro tables are a great choice. A round table with two chairs is perfect for popping out for that summer drink or cup of coffee and won’t take up too much space. You could add a couple more folding chairs in case you have extra visitors.
For an attractive seating area off a garden path or next to a beautiful border, a garden arbour bench is perfect. The bench is usually big enough for two (or one, curled up with a good book), and growing climbing plants around it can enhance its beauty. For a quick effect, choose annual climbers such as sweet peas, which will form a scented haven, or a Clematis Montana, which by its second year will be rioting over your arbour, regaling it in pale pink/white flowers. A slower growing climber, such as ivy or Russian vine can be planted at the same time.
The style of your garden, your budget, and storage facilities will dictate what your garden furniture will be made of.
For a stylish contemporary look, go for garden furniture comprising wood, metal and glass. Colourful all-weather material will really make a statement.
Hardwood such as teak, oak and ash is the most durable choice for wooden garden furniture. Make sure your garden table and chairs comes from a recognised supplier who’s a member of the WWF Global Forest and Trade Network or FSC. To keep it looking its best, wooden garden furniture should be protected from the elements (store in a shed or garage over winter, or invest in some good-quality garden furniture covers) and treated regularly with wood preserver. But wooden garden furniture can also be left outside all year round if you want it to weather naturally.
Softwood garden furniture, such as pine, is beautiful in most gardens, though particularly suited to more rural, cottage-style environments. Ensure that your chosen garden furniture is made with wood from forests certified by the Forest Stewardship Council (FSC). Look out for the FSC logo.
If you want low-maintenance garden furniture, metal garden furniture is for you. It’s easy to just wipe clean and metal and aluminium garden furniture can be left outside in any weather conditions.
On a cloudy day (and we have a few of those!) glass garden furniture will reflect any sun there is, adding light to a shady area. It’s also easy to maintain – just wipe clean.
Resin garden furniture is a good budget option. It’s easy to clean and lightweight.
To shade a garden dining table – or even keep off those spots of rain, a parasol is essential. Look out for some fantastic coloured-parasols this year, or stick to classic dark green or cream.
Even the most comfortable garden furniture will benefit from a bit of padding. Adding a new set of cushions is an easy and relatively inexpensive way to update your garden furniture.
Think about buying a folding garden table and chairs. It can be moved out of the way if the children want a game of football.
Look for a recliner or lounger. Both have several positions, so you can sit more upright if you’re reading, or lie back for a snooze in the sun.
If you have a large family, or have lots of young visitors, you might like to buy them their own garden furniture. There are some wonderful colourful garden furniture sets around for children, with matching chairs, tables and parasols, all built on a miniature scale. If children are going to sit on adult garden furniture, choose solid, stable chairs that are hard to tip over, and with rounded edges to prevent knocks and bumps. Washable cushions are a good idea too!
Filton’s been working in the Home and Garden industry for 20 years. FK looks to offer you advice when buying gardening products online. It can be confusing and there are a lot of dormant sites out there. Place you order and never get the goods. It does happen. FK will give you straight and honest advice before you buy and direct you to the site we feel offers a good product at a fair price.
5 Star Design talks about outdoor furniture.
Video Rating: 5 / 5
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Short Rattan Garden Furniture Buying Guide
With all the sets of rattan garden furniture available today choosing the right sets should not be very hard. The finest collections are often sold as one set, but you may be able to mix and match varieties of this type of furniture upon request.
One of the top collections of rattan garden furniture sold today is the Cube Garden Furniture set. This set is meticulously constructed in such a way that it is likely to last a lifetime. It often is sold with four chairs, one table and two footstools. The rattan in this finely crafted collection is often coloured black and the comfortable cushions are normally a contrasting color, such as white.
Smooth and elegant in design, this rattan garden furniture set is likely to look amazing regardless of where it is placed. An additional very beautiful example of a recommended rattan garden furniture collection is the Arizona Rattan set, turns out to be one of the more popular choices. This set often includes chairs, sofa, and coffee table.
This particular set of rattan furniture is characterised by its soft, white cushions. This collection combines clean modernistic lines and sharp angles mixed with glass that would look stunning in any garden or conservatory. As mentioned already, today’s rattan garden furniture is made of the most durable and superior materials.
Furthermore, certain models of rattan garden furniture are UV treated. Therefore, they can be placed outside throughout the year without the worry of discoloration or damage to the materials used to create each piece. In fact, a majority of the collections sold today are sold supplied with an outdoor waterproof cover.
Oftentimes, the frames are made from lightweight aluminum that is coated with a protective material so it will never rust. Besides being able to resist the outdoor elements this furniture is simple to move from area to area and can be packed away compactly.
It makes entertaining and dining outdoors much more convenient and each piece is preserved for much longer times than otherwise. This is likely to save you money, especially if you purchase timeless works of art that are likely to not go out of style the following year.
By the way, in case you are wondering what rattan material is derived from; it comes from a special palm tree. This material is similar in texture and appearance to bamboo and a majority of this type of rattan originates from Indonesia.
Of course, you are advised to make sure that the supplier of rattan garden furniture sets you prefer offers the choicest selections. This is guaranteed if you know they only deal with manufacturers who adhere to the highest standards.
Popular Rattan Garden Furniture