AXA: What does 'New Normal' mean for your insurance?

Now we’re starting to get out more, does your home insurance still cover your ‘new normal’?

Now, we’ve got some of our freedom back, we’re doing a lot of making up for all the things we’ve been missing out on. So, it’s worth thinking about whether your home insurance covers you now life is a bit different.

Change 1: Being out is the new staying in

  • Cafes! Garden centres! Pubs! Museums! Anywhere but home seems like the most exciting place in the world to go, right now.
  • We’re so keen to visit friends and family, our weekends are booked up for months already!
  • We’re all discovering there’s more beauty on our doorstep than we thought, and because it’s easier to go on staycation, you’re likely to go on a few.

All this time spent in the big wide world makes it important to make sure anything valuable you leave in your home, or take on your trips, is properly covered. Countrywide Homeowner Insurance is 5-star rated by the independent financial review body, Defaqto, so you know it meets their high standards. And, its personal possessions insurance covers you wherever you are in the world, which is great if you make it abroad this year or planning ahead for next year’s getaway!

Change 2: Getting used to going out will take time

 We’re all a bit rusty at avoiding disasters outside, so be ready for more ‘Doh!’ moments – like spilling a drink on your laptop, leaving your phone on a train or sitting on your headphones. It's worth spending some time checking that you've got the cover you need away from the home, which can often be added on to your home contents insurance. Countrywide Homeowner Insurance offers Personal Possessions cover as an optional extra, providing cover for personal effects, valuables and money. As with all insurance, terms, conditions, limitations will apply.

Change 3: Your home might be overrun

When you are home, you’ll probably be getting visitors, which can be chaotic at the best of times! Home insurance often has you covered if things get out of control and a mishap occurs – like Nan’s Chicken Korma suddenly going airborne and landing on your sofa. So, check to see if accidental damage cover is included on your policy.

For extra peace of mind while everyone’s having a great time at your place, you might be surprised to learn that your home insurance can cover the personal effects of your overnight guests too. Countrywide Homeowner Insurance providers cover up to £1,000, so if you were to have a house fire, and your visitor’s suitcase full of clothes were impacted for example, you might be able to claim for this. Definitely something worth checking with your provider if you’re going to be hosting a lot!

So, hopefully, that’s everything covered about how reopening can affect your insurance. But, if you do have any questions about home insurance, one of Countrywide’s Mortgage

And Protection Consultants will be happy to help.

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