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    icy carefully if you are seeking cover in a place liable to flooding.

    The policy typically runs for a year although shorter periods can

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    Recently while waiting for our lunch to be served in a nearby restaurant, my husband Michael and I were discussing our son’s upcoming science fair project. Michael was describing the steps that my son sho
    This policy is an insurance against loss of ones items from home. Usually it covers accidents that might also happen like breakages, spillages or other damage.

    The cost of the insurance does depend on that cost which would be incurred to replace the items, so if the cost is high, the premiums may well be higher. The policy is usually a long document which details what is and what is not covered. The infamous "Acts of God" exlusion and "war" and "earthquakes" are typically not covered. Flooding is a sensitive one in the UK and you need to check your policy carefully if you are seeking cover in a place liable to flooding.

    The policy typically runs for a year although shorter periods can

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    s or other damage.

    The cost of the insurance does depend on that cost which would be incurred to replace the items, so if the cost is high, the premiums may well be higher. The policy is usually a long document which details what is and what is not covered. The infamous "Acts of God" exlusion and "war" and "earthquakes" are typically not covered. Flooding is a sensitive one in the UK and you need to check your policy carefully if you are seeking cover in a place liable to flooding.

    The policy typically runs for a year although shorter periods can

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    igh, the premiums may well be higher. The policy is usually a long document which details what is and what is not covered. The infamous "Acts of God" exlusion and "war" and "earthquakes" are typically not covered. Flooding is a sensitive one in the UK and you need to check your policy carefully if you are seeking cover in a place liable to flooding.

    The policy typically runs for a year although shorter periods can

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    of God" exlusion and "war" and "earthquakes" are typically not covered. Flooding is a sensitive one in the UK and you need to check your policy carefully if you are seeking cover in a place liable to flooding.

    The policy typically runs for a year although shorter periods can

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    icy carefully if you are seeking cover in a place liable to flooding.

    The policy typically runs for a year although shorter periods can be available. Whoever takes out the policy will pay the insurance company some money - a 'premium' which will bring the contract into force.

    Sometimes there are ways of reducing the cost of the policy, for example by installing sprinklers or if you live on the same street as a fire station! Sometimes costs will be extra eg in flood-risk or older properties.

    Single items of significant value usually need to be insured

    separately which can slightly increase the premiums eg if you own a diamond ring worth tens of thousands, this probably needs

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