Households in Neighbourhood Watch Areas More Desirable to Buyers

New research* reveals that 27% of the nation, would ‘prefer to buy a property signed up to a Neighbourhood Watch scheme, or Home Watch network’. This trend is most prevalent among those living in the South West, where over a third, 34%, agree they’d prefer a property that was part of the movement.
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Five Tips to Pay Less on Home Insurance

Buying home insurance can get to be fairly expensive if youre not careful about the shopping process. There are a few simple tricks that you can put to use in order to get a good deal on your home insurance. The biggest determining factor will be how much insurance you want, of course, but these five key points can get you a great deal if you know where to shop: 1. Improve Your Credit Even if you have a lot of bad loans and other problems to overcome, whatever little you can do to improve your credit will help. Even if you cant pay off every single debt you owe, you can still make a dent in your debt and that will generally have a positive effect on what you pay for your insurance. 2. The Neighbourhood Counts A great way to get home insurance is to move into a...
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Different kinds of Home Insurance policies

Your home is an important asset and worth protecting by taking out home insurance. There are two main types of home insurance; these are building insurance and home contents insurance. Building insurance is coverage for the structure of your home. Contents insurance is coverage for the items found within your home. When taking out home insurance you can get both types of coverage combined into one policy. Insurance companies also offer specialised home insurance policies which are designed for specific types of property. Building insurance protects the permanent structures that make up your home. This would include walls, roof, floors, windows and more. Not only does building insurance cover the dwelling itself but it also covers the land where the dwelling is located. Other features such as garages, patios, gates and fences may also be included. When taking out building coverage your mortgage company will probably require that you take...
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Battle of the Channel Islands – UK Postcode Lottery’s Biggest Winners and Losers

  The amount homeowners are paying for their home insurance premiums are varying widely across the country and the amount you have to pay it seems is dependent on your postcode. Research compiling data from nearly 3 million home insurance quotes made between summer 2010 and spring 2011 shown in the MoneySupermarket Home Insurance Monitor has found which postcodes have had the biggest change in the cost of their home insurance premiums. Surprisingly the 2 areas which experienced the biggest increase and decrease to their home insurance premiums were Channel Island neighbours, Jersey and Guernsey. While Jersey enjoyed the biggest decrease to the cost of their premiums at a 13% reduction, Guernsey saw the biggest increase at 32%. But what exactly are the factors that are contributing to areas experiencing different costs for their home insurance? Julie Fisher, home insurance expert at MoneySupermarket explains: “If your property is classified as...
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Are you properly insured?

Property values in the UK fell slightly for the first part of 2011 (Nationwide indicated an average fall of 1.3%, Halifax a fall of 3.7% and the Land Registry a fall of 2.3% for the same period). With fewer first time buyers entering the market. According to the Council of Mortgage Lenders property investors took out 27,600 buy to let mortgages (totalling £2.9 billion) in early 2011 which was 3.5% lower than loans taken out in the last quarter of 2010 (11% fall in overall mortgage lending in the first part of 2011).
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Can you put a price on life?

[caption id="attachment_1815" align="alignright" width="150" caption="Can you put a price on life?"][/caption] Of course not, no amount of money can ever compensate for the death of a loved one. However, whilst it cannot ease the pain, cash from a life assurance policy can help with the financial difficulties that often arise as a result. Where most people will have insured their home, possessions and car, often the most important element is overlooked – you! If you have life assurance to protect your family in the event of your death, you will receive peace of mind in the knowledge that if anything should happen to you, those you leave behind will be taken care of financially. Life cover will ensure that your family will have money at the time when they will need it most. So, how do you decide how much cover you need and which is the most appropriate plan for...
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