Home insurance

Carefully investigate the amount of cover you would need so as not to be underinsured and exposed. It’s best to talk to your insurance company or insurance adviser if you're unsure.

In addition, check your insurance policy to see whether the replacement value includes:

• cover for the cost of removal of debris following a loss, along with the cost of the architect's fees for drawing up plans for a new home. Sometimes removal of debris can be costly.
• cost of temporary accommodation while you rebuild or undertake the repairs.