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Considering the climate is ever changing and the majority of the UK has in recent weeks (June 2007) been suffering from unusual weather and in particular rain and storms, it is now more essential and more important than ever that you know whether or not you are covered by your policy for events such as flooding.

Just recently many people have found that they didn*t have the valuable cover needed, while others were lucky and did, when torrential rains hit the UK and homes were flooded and possessions ruined. This one occurrence is thought to bring around 1,200 claims on insurance for the ones that were lucky enough to have cover.

However a sad fact is that while many people do have insurance for their homes and believe that they are totally covered, a staggering 257,000 of all claims against policies are turned down every year simply because the home owner hasn*t taken out the right policy or they didn*t bother to look at what the policy did and did not cover and have found that they aren*t covered when it comes to making a claim.

One of the biggest reasons why adequate cover isn*t taken is due to the fact that the majority of people simply take the cheapest policy they find while not looking at what the policy entails. While of course everyone wants the cheapest premium, it is also essential that you have the right amount of cover for your needs, while savings are essential on your premium in the long run cheapest isn*t always the best.

When considering your home insurance the number one thing to make sure of is that you have all the cover you need. Using a specialist broker for your home insurance is the easiest way of keeping the cost down and you are able to quickly and easily make comparisons for the same coverage from the information provided by them.

Always remember when comparing policies that they all have hidden exclusions within them and it is essential that you check these out, while one policy might offer the cheapest premiums, it might not include the same cover that a more expensive policy might and as such will cost you more in the long run if you have to pay out for added extras.