I like to think that I am someone who plans ahead, so I was a little bit surprised to find out that I had forgotten to add my new conservatory onto my home insurance policy. This is kind of understandable; as I was so busy rushing about getting plants, installing my new double glazing windows and furniture for it that the basics of getting it covered completely slipped my mind.
Of course, getting home insurance for conservatories must be more common these days, as more and more of have they classy rooms fitted to our properties. This made me wonder of what kind of incident could happen to ruin my conservatory in the first place.
Storm Damage
I guess I am not the only person who likes to sit in their warm conservatory and watch a storm rage outside. It is even better when there is thunder and lightning going on, but I suppose it is not impossible to think that a really violent storm could damage some of the windows, is it? The cover will also make sure that I am covered for water managing to ruin the roof and get into it.
Accidental Damage
I actually almost caused a bit of damage to the place the other day. I had fallen asleep in there after lunch and got woken up by someone ringing the doorbell at the front of the house. In my rather groggy state I got up and walked straight into one of the windows. I know that it would require a good bit of force to cause any real damage to my conservatory but it is best to have this covered just in case.
Fire Damage
No one in my house smokes, and I am always really careful about switching off cookers and fires in the evening. However, sometimes these things just happen without you having done anything wrong. It would be terrible to lose the house to a fire and then realise that the insurance claim wouldn’t be enough to let me rebuild my favourite room in it again.
Theft
I made sure that my new conservatory was fitted with strong locks but you can just never be careful these days, can you? There doesn’t seem to be anything particularly valuable in it but when I toped up the price of the furniture, the telly and the other odds and ends it came to a big enough sum to warrant increasing my overall contents cover.
Aircraft Damage
I used to work in an insurance company a few years ago and I always wondered whether anyone had ever had to claim for a plane hitting their house. I guess it must happen sometimes but as we are a few miles from the nearest aircraft route it would take one seriously addled pilot to get it so wrong as to mistake my conservatory for a landing strip. Still, if I have learned anything in the last few years then it is that anything is possible. The image of plane’s tail sticking out of my conservatory while the pilot peeks through my plants might seem bizarre but it would also be heart breaking if I wasn’t covered.