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David Martin-11606's Articles in Family

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Mortgage Paid Off? Don't Forget to Keep Paying for Home Insurance Making that final mortgage repayment is a true red letter day, but be aware that in doing so, you may also be making your last home insurance payment - which could leave you open to all kinds of risk. As home buyers are invariably required to take out buildings insurance as a condition of a mortgage, once the mortgage is paid off, that requirement no longer remains. And although it makes good sense to maintain buildings cover, some homeowners (unintentionally or otherwise) allow their cover to lapse. Home Insurance - But What About the Garden? As we continue through the global financial crisis, government figures and insurance company surveys are again and again reminding us that burglaries and thefts are on the rise as a result. A particular spike in home insurance claims in North Wales has been reported by the region's Daily Post, calling for homeowners to be 'vigilant', as opportunist thefts continue to rise. But this notion of opportunism amongst thieves is also reflected in a report by The Guardian, which offers an intriguing twist on insuring your home. Subsidence Causes Risks and Prevention Subsidence, in regards to housing, is when a building’s foundations begin to sink due to ground movement. Consequently and over time, this can cause significant cosmetic and structural damage to your home, but it can also be covered by suitable home insurance policies.