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How Does Your Ipad Insurance Help You When You Need Ipad Repair

With the iPad market growing larger and larger, there is now no dearth of professional iPad repair services anywhere in the country. The iPad has sold like hot cake ever since it was launched and the requirement for serving has already started. If you are thinking that this makes the iPad a vulnerable device then that is not the case. There could be many reasons why someone would need to have an iPad repaired. And when you have iPad insurance to cover your iPod, the cost of the repair really does not matter.

How does it help in iPad repair when you have iPad insurance? The obvious help is that you get reimbursed for the cost incurred in getting your iPad repaired. Not only that, if you even need to have your iPad accessories or iPad parts repaired, you still get reimbursed for the cost incurred.

A proper iPad insurance cover will cover your iPad in a variety of situations. There would be the mandatory accidental damage insurance. You can add to that water and liquid damage cover too. In short, if there is something wrong with your iPad and you need iPad repair, your insurance policy will cover you for the expenses that you incur.

Having proper iPad insurance also helps you get your claims reimbursed faster. Imagine you having spent about $50 on your iPad repair and you have now applied for a claim. But you really cannot find out about the status of your claim. Every time you call up, someone or the other gives you some answer or the other but no one can tell you when you will get your money. You get hassled, irritated and tired of listening to the answer that the claim is in process. This will never happen in case you have your iPad insured with a proper insurance company.

Proper iPad insurance will also ensure that you always go to a professional technician to get your iPad repair done. You ought to know that the insurance policy will only be in force when you get the repair done from a professional technician. If you go to a local shanty to get the repair done, you might as well forget about the reimbursement. And the obvious benefit that you get when you visit a professional is that you get proper service and genuine parts and accessories. It bodes well for you in the end.

Visiting a proper technician also helps when you try to sell your iPad in the used iPads market. There are many people who are always on the lookout for refurbished iPads and you should not have any problem locating a buyer. But your buyer will also look at the condition of your iPad before he or she makes the purchase. You will substantial cash for your iPad when it is in proper working condition.

So, whether you realize it or not, your iPad insurance can actually give you multiple benefits when you go for iPad repair from a professional.

Do you need iPad insurance when you go for iPad repair ? You bet you do.

I worked in the insurance industry for 16 years and saw first hand how profitable an insurance company can be. I will not attempt to go into the nitty gritty details but I will give you a pretty good idea in the form of an overview, how profitable a venture an insurance company can be.

Insurance is a form of risk management. It is purchased to avoid the possibility of a large , potential future loss. To compensate the insurance company for taking on this potential future payout, the insured pays the insurance company a certain sum of money known as the premium. In return for the payment of the premium the insured receives a written document, known as the insurance policy, that lays out what events are being insured and what the payment to the policyholder would be if that event actually occurred.

The insurance company collects the premiums of a large group of insureds to cover the few losses they would have to pay out for.They use historical data to figure the probability of losses and then charge premiums to cover them while building in a profit for themselves.

For example,let’s say there were 100 houses each worth $100,000 in a particular area. They would have a total value of $10,000,000. According to the history of that neighborhood, two houses are expected to burn down during any one year. Without insurance all 100 homeowners would have to keep $100,000 in the bank to cover the possibility of the house burning and needing to rebuild it. With insurance, each homeowner would only need to pay $2,000 into an insurance pool to pay for rebuilding the two houses that are expected to burn down.

2 houses burn x $100,000 = $200,000 for rebuilding the houses $200,000 divided by the 100 homeowners = $2,000 premium

That $2,000 premium will then have to be increased somewhat to add a profit margin for the insurance company.

In addition to the built in profit that the insurance company adds in to each premium it takes in, the company would also be subject to the actual experience of the insured group. If it takes in more money in premiums than it paid out in claims then it receives what is known as an underwriting profit. And, on the other hand if it pays out more than it has taken in then it has an underwriting loss.

One way of looking at how well an insurance company is doing is to look at their loss ratio. The loss ratio is calculated by taking the losses they had to pay out and add to that the expenses they incurred to actual pay out the
claims and divide that sum by the premiums taken in. A ratio of less than 100% shows a profit and a ratio greater than 100% indicates a loss.

In many cases if an insurance company’s ratio is greater than 100% they can still be profitable. That is because there is usually a period of time between taking in premiums and paying out claims. During that period of time the company can invest the money taken in and they can earn a profit from that investment to offset any underwriting loss and could actually end up with a net profit. For example, if the insurance company pays out 15% more in claims and expenses than premiums it took in, but made a 25% profit from its investments, then it would have received a 10% profit.

So, as can be seen there is more than one way to skin the profitability cat for an insurance company to make money. Two key factors in that regard are how well they can predict their payouts and how well they can invest the money they take in.

Today, many seniors are considering life insurance, but they may be under the impression that once they reach their 60′s or 70′s they are too old to get affordable life insurance.

Still others believe they may not be able to qualify for life insurance because they wouldn’t pass a physical exam required to get coverage. And, some may believe they wouldn’t benefit from buying life insurance.

Once thing is certain, if you have loved ones you want to provide for after you’re gone, life insurance can be the financial tool to accomplish this goal. Burial insurance can provide money for your loved ones to pay for your final expenses, burial, and pay off any debts you leave behind.

But, how can you get affordable burial insurance for seniors? One way is to compare free life insurance quotes for the amount of coverage you feel you need. Whether its $10,000 or $25,000 of coverage, you can request free life insurance quotes online from a quote provider.

Also, they will offer quotes from brokers in your area to help you compare rates and apply for coverage if you choose.

Among the different types of affordable burial insurance for seniors available today is simplified issue life insurance. This type of coverage offers up to $30,000 of life insurance with no medical exams required.

You answer a few health questions and they give you an instant quote. If you like your quote you can apply online and begin your policy the same day. You can even get coverage for your spouse.

Some of these policies are offered by well-known insurance companies, including Globe Life, Colonial Penn, Garden State Life and others. One important point to know is that some of these policies are graded benefit, meaning your full coverage does not take effect for 1-2 years. However, with Globe Life the full coverage starts from the first day you buy your policy.

You may want to compare rates and plans from several insurance companies to find the most affordable burial insurance for seniors. Make sure to consider the A.M. Best financial rating. Look for a company with a rating of “A” Excellent, or better. This rating indicates the insurance company’s financial strength and security.

To learn more about Burial Insurance and Get a Free Quote, Please visit http://www.term-life-online.com/affordable-burial-insurance.html

Hospitality Insurance Agency – Instant Insurance Insurance – Restaurant – Nightclub – Bar Insurance Quotes – Gentlemen’s Club Insurance

Hello Everyone!! I would like to talk to you about the Hospitality Insurance Agency!! First of all we originated in Clearwater Beach, FL in 1948. We have had years of teaching and experience in personal insurance that we became experts and the only option was to broaden our intelligence. So we expanded Barber Agency (our personal department) to an even larger Corporation — Hospitality Insurance Agency. We have been insuring clubs, restaurants, bars, etc. for over 40 years, and just like our personal lines, with many years of teaching and experience– we have become the best of the best. We work with several different insurance companies and have the best relationship that you can possibly have with an insurance company. Meaning one way or another we are going to get you the best policy for your business at the cheapest price.Something else that we are starting up this year is our blogs/facebook/twitter etc. I am currently the person in charge of all of our websites. We have 2 sites for our blogs/Facebook because we insure gentlemen’s clubs and we don not want to mix that content to our restaurant owners. On our Facebook we have in our photo sections– the businesses that we insure with some pictures of the establishments. That is just one way we help out our businesses with a little bit of recognition. On our blogs we have the businesses we insure and links straight to their websites. If you are making money, we are making money– so we do more to help out our insured businesses by more than just saving them money on insurance policies, but also with a little bit of advertising on the side! We take care of our customers the way customer service use to be, no rude staff members; the customer is number one, etc. We take our reputation seriously and go through extensive research to make sure our team is all in sync and all about you! So if you own a restaurant, nightclub, gentlemen’s club, bar, or hotel; get into your insurance drawer and find out when your policy expires. When the dates are coming up contact our amazing staff or go online and get an instant quote!! That is only if you want to save money on your next insurance policy and have your business get a little more internet action from us!Now, I would like to wrap this up because there is only so much you can say about insurance. I pretty much covered everything. If you have any questions you can either visit our site, blog, or Facebook and send us a message with your question and it will be answered within 24 hours. Also, we are here for you M-F regular business hours (at office) — 24 hours online – and by phone 877-736-3820 – One more thing we are expanding more and more everyday, and we have been insuring businesses that are getting larger and larger to the point that we do our best work on larger businesses rather than smaller ones. So please when contacting we prefer larger businesses with multiple locations or high grossing. Thank you http://www.hospitalityia.comRyan

The basics of homeowners’ insurance as well as the significance about carrying out a home supply. Before finalizing a home loan mortgage, lenders need housebuyers to buy no less than the lowest degree of “hazard insurance,Inch which can be area of the standard homeowners’ insurance policy. Threat insurance will cover unintentional damage or even damage simply by fire, smoke, blowing wind, are, thievery, vandalism, or even one more similar occasion.

To safeguard your own passions, nonetheless, you will most probably need it comprehensive homeowners’ insurance policy, such as responsibility insurance and much more total threat insurance coverage as compared to the lender demands.

Exactly what Homeowners’ Insurance Covers
In addition to within the residence, the threat percentage of your homeowners’ insurance coverage will likely guard furniture along with other personal products, in addition to some other buildings around the home, like a pool or even independent storage (unless you utilize this kind of constructions for nonresidential purposes, such as for your home based business).

Many policies’ hazard coverage doesn’t include enterprise gear, damage caused by earthquakes, or loss of artwork or diamond jewelry over a certain amount. You will want to purchase extra insurance if the property is inside a high-risk location regarding hearth, floods, earthquakes, or other earthquakes or even when you have costly art, diamond jewelry, or perhaps company products in the home.

Standard homeowners’ policies furthermore cover some kinds of individual liability — if the postal mail carrier, for instance, trips more than the children’s skate board or receives clawed by your cat, your own policy covers the actual carrier’s healthcare costs as well as other losses, up to and including particular restrict. Unlike threat insurance coverage, this particular portion isn’t essental to the loan provider — but is a good idea, since you don’t want to lose your property to pay someone’s healthcare bills.

Obtaining Homeowners’ Insurance

Finding good homeowners’ insurance coverage is now remarkably difficult in certain says, such as California as well as Texas. High payouts with regard to mold and other unfortunate occurances are making the insurance coverage business over these says skittish. When possibly an individual or the vendor of the property have made claims with regard to water damage (the most common precursor in order to mildew), you could get which you can’t purchase a coverage — or otherwise not just an affordable a single. Same task should go if you have submitted several insurance claims before — you will possibly not be able to find the company prepared to market you insurance.

You can guard yourself against the chance of to not get homeowners’ insurance coverage for a residence you are getting by looking into making your own obtaining insurance policy the backup or even problem associated with finalizing the actual sale.

Claiming Homeowner Loss

Safeguard the policy nicely once you’ve got this. Don’t file claims until you need to — should you document greater than 2 or 3 claims, your prices will certainly rise and your policy may be terminated. You might be best advised to get a plan with a large deductible, to ensure that altogether reason to file lower-cost claims that may lift up your monthly premiums or perhaps cause potential termination of the plan. (Your loan provider might, nevertheless, persist happened increase than a particular deductible sum, for example $1,Five hundred.)

Making a Home Inventory

In case your property is minted by a theft, hearth, ton, earthquake, or other devastation, being able to pull out a great up-to-date house supply can make it simpler to deal with law enforcement along with your insurance coverage company. Without one, you need to make a list of most your property from memory.

Fortunately, creating a residence inventory isn’t onerous, and also could possibly prompt you to stop the loss itself. While you inventory your personal property, you’ll become more aware of their susceptability, and will make a plan in order to protected these.

Start by jogging through your house using a mat regarding document and a nonetheless or perhaps video camera. Make note of a listing of any items well worth more than $50 approximately as well as take pictures of these. Go space by space, also remember the actual storage area, attic, and also basement. Be sure to consist of jewelry, clothes, seal of approval or even gold coin choices, CD as well as report selections, silver, equipment, as well as electronics.

On a recent meeting with one of our Business Managers from the Halifax Bank, I learned that the amount of Claims going through for Escape of Water had trebled in recent years, thus pushing up the price of Home Insurance across the Board.

Halifax commented that all insurance providers had been paying millions out in claims over recent years for Escape of Water. It was only 5 years ago that claims for Escape of Water were unheard of, almost non-existent.

I have thought long and hard about why this could potentially be the case, and based on my experience I have decided on the following theory.

When quoting my clients on their new Home Insurance Policies, I have to clarify how many years No Claims Discount is applicable. Many clients have declared “Escape of Water” claims to me in the last 5 years. Usually the value of the claims are quite substantial. When the water has damaged ceilings, carpets and flooring, the whole lot needs to be replaced using qualified tradesmen, as well as the rooms affected being re-decorated (more often than not the claim is on the first floor requiring building repairs to both first and Ground floors).

Anyway, when asked what has caused this damage there it is the answer. “A leaky radiator”. In a time when Insurance Underwriters are often on Consumer based television programs for refusing claims which most of the time should be honored here they are in the Home Insurance Industry just writing out blank cheques, and lying down while customers rip them off.

Rip them off? yes, leaky radiators surely are wear and tear 99% of the time? Wear and Tear is not covered under Home Insurance contracts. Radiators drip leak over a period of time so where do the thousands of pounds worth of damage come from? Were they ignoring the damp brown patch pooling at the bottom of the radiator pipe for the last 12 months?

Whilst part of me agrees that if customers can get the Insurance policy to pay up why not? Good for them MOST of the Home Insurance buying public do not claim for Wear and Tear but are suffering the hike in Insurance Premiums across the board to counter balance it.

My opinion may seem somewhat shortsighted there is a huge grey area called “consequential damage”. This relates to the consequences of the problem being claimed for but not the item that caused it. So the Insurers will take care of everything except replacing the radiator. To be honest I still have a problem with this. The claims are huge and this is largely due to leaky radiators being ignored by the home owner for such a long time.

I have worked in the Home Insurance Sector for many years, and I can see the Millions it’s costing the industry Fact. Exactly how it’s happening and the wear & Tear stance with Radiators? Grey area.

If I don’t “get it” in full, how can we expect our customers and further more worrying the Underwriters?

Should this article have been called Escape of water? Not if you’d done something about it sooner!

There is an old clich that says we should expect the unexpected, but there are certain events that seem impossible to prepare for.

According to home insurance provider NFU Mutual it has had to settle some bizarre claims recently as people with rural properties face some unique risks. For example, it reports that a ram took a disliking to one policyholder and head butted him, breaking his false teeth.

In another case, the owner of a house with its own swimming pool took a nap only to find that when he had awoken cows had invaded his garden with one even climbing into the pool. Another home insurance policyholder left an envelope containing 250 on a table only for his wife to assume it was waste paper to light the fire.

The bizarre claims continued with a pan fire causing damage to the dcor of one claimants home and even damaging a stuffed polar bear. Meanwhile, at a childrens party, a chocolate fountain exploded covering both the children and the carpet in molten chocolate.

Believe it or not, as strange as these circumstances may appear to be, each claimant received compensation via their home insurance policy.

How home insurance can help

The man who had his false teeth shattered by the ram had included his teeth on the contents aspect of his policy meaning he was able to get a new set in place quickly. The homeowner who found the cow in his pool was able to replace his damaged garden furniture; while the man who saw his 250 burnt by his wife was saved because he had covered cash as part of the contents aspect of his policy.

The stuffed polar bear was returned to its former glory by the cleaning team the insurer arranged to come out to the home; while the carpet that was ruined at the childrens party was replaced within two weeks of the incident.

Its clear that with home insurance it is possible to prepare for unlikely events. While no policy is going to specifically state that it covers cows climbing into swimming pools or spilt chocolate, unless something is specifically excluded (for which you should examine the terms and conditions of the policy) you should be covered. Of course the key is to regularly review your home insurance and ensure you have coverage for all the contents in your home, in your garden and in the garage too.

There are two key areas for homeowners to check. They should firstly look at the extent of cover they have for possessions for example, there may be items that need to be insured separately because they have high values. You also need to check how much cover you have in place this is the total amount that would be paid out in the event of a devastating fire that wiped out all of your belongings.

Is comprehensive home insurance expensive?

Given the current economic climate you might think that cutting a few corners on your home insurance is worthwhile if it means you can save money. However, you neednt sacrifice the level of cover you have in place to keep hold of your cash there are other ways to bring premiums down.

Most insurers for example, will reward you if you increase the level of security in your home reducing the chances of burglary. House alarms along with five-lever mortise locks for doors, key-operated window locks, time-switch lights and external sensor lighting could all lower premiums as long as you keep your home insurance provider informed when you introduce these measures. Reducing your fire risk too should help you save so consider placing smoke alarms around your home and installing fire extinguishers.

Insurers will also reward you if you agree to increase your voluntary excess this is the amount you will cover in the event of a claim. Dont set the bar too high however, as it could leave you out of pocket if you do need to make a claim. Paying annually is another way to save as many insurers charge interest if you pay monthly by direct debit.

Finally, for cheap home insurance remember to use a comparison website to compare deals at least once a year around your renewal date. Accepting policy renewals could cost you 100s, while insurers offer their best deals to new customers. So if youre not happy with the offer you receive, shop around and you should be able to put cash back in your pocket.

Most of us lead busy lives and have little time to become financial experts. Yet every year we find ourselves bombarded with difficult money-related decisions, whether they relate to our mortgage, our savings or our utility bills. As a consequence, home insurance is often left on the scrapheap.

The majority of homeowners have it and know broadly what it does it protects us if something goes wrong in our home. However, what makes your premium higher than your neighbours? Will you really get the protection you need when it comes time to make a claim? And could you find a cheaper policy?

This guide will attempt to breakdown the basics so youre in a better position to find a home insurance policy that suits your needs.

What is home insurance?

Home insurance, also known as household insurance and house insurance, is there to protect what for most is their most valuable investment their home. Most home insurance policies are broken down into two types buildings insurance and contents insurance which can either be bought together or separately. So what does each policy cover?

As you may expect, buildings insurance protects the structure of your home as well as its permanent fixtures and fittings. Typically when you take out a mortgage, a lender will insist that you have buildings insurance in place as its own form of protection.

A buildings insurance policy will normally protect you against risks such as floods, fires and storm damage. Check your policy to see if it includes other hazards such as malicious acts and general wear and tear. The amount of cover you need should be based on the rebuild value of your home rather than its market value.

Contents insurance meanwhile protects all of the items you keep within the home such as carpets, curtains, clothes, furniture and so on. Contents insurance can be a little more complicated as the range of cover available differs widely from provider to provider. Most will cover your items against risks such as theft, floods and fires. However, risks such as accidental damage, as well as protection for items such as business equipment and garden contents can show significant variations. Some insurers will also cap the amount you can insure a single item for.

To determine how much cover you need you should make an honest assessment of the replacement cost of all the items in your home.

How are home insurance premiums calculated?

Home insurance providers will base your premiums on risk factors. For example if you live in a flood risk area your premiums are likely to be higher by the same token living in a high crime area will also work against you.

Many homeowners wonder why they pay significantly more (or less) than a neighbour who lives in an identical house. This could be for a number of reasons. For example, your neighbours may have better security devices installed in their home. It could also be based on personal circumstances. If they spend more time at home than you, then they are likely to pay less as the home is rarely unoccupied. They may also have a longer no-claims history than you.

How can you buy home insurance cover?

To find a cheap home insurance deal youll need to compare as many policies as possible. This isnt a time consuming task however, because a number of comparison websites now offer home insurance tools. These allow you to enter your details and those of your home into a finder and it will retrieve quotes from numerous providers for you with one search. You then simply find the policy thats right for you and click through to the providers own website to complete the deal.

How can you lower your home insurance premiums?

Remember that home insurance premiums are based on risk, so the less risk you pose, the lower your premiums will be.

For example you could cut the risk of a fire in your home getting out of hand by installing smoke alarms, fire extinguishers and even by giving up smoking. You could reduce your theft risk too by fitting security devices such as burglar alarms and time-switch lights in your home.

Other ways to earn cheap home insurance including paying your premiums annually instead of monthly to cut out interest charges and increasing your voluntary excess the amount you will pay should an insured event occur.

Home insurance – a buyers guide

If theres one thing in life few of us could do without, its our home. Not only does it provide us with the basics that we take for granted but it is often packed with our most important possessions and contains a host of memories which we would never want to lose or have tarnished.

That is why home insurance is so important. It can protect our most prized possession against a range of risks including flood, storm and wind damage, as well as theft and vandalism.

However, with more than 50 home insurance providers in the UK it can be difficult to know how to choose a policy, which options we should select and how much we should pay. Here we take a look at the different home insurance choices to help you make a decision about the right policy for you.

What are the different types of home insurance?

Broadly, there are two types of home insurance in the UK – buildings insurance and contents insurance. These policies can be combined or taken out separately with different providers. So what is covered by each type?

Buildings insurance: This covers the bricks and mortar of a home as well as its permanent fixtures and fittings. It should be set at such a level that if your home were completely burned to the ground it would cover the rebuild cost in its entirety. Many mortgage providers now insist that you take out buildings insurance so that they wont be left without the security they placed against your loan should a disaster occur.

Contents insurance: This protects items that are not fixed in your home – for example, curtains, carpets, clothes, electronic goods and furniture. Contents insurance is not essential but is advisable, particularly as it will protect you against home burglaries as well as risks including fires and storm damage.

In addition there are a number of specialist home insurance policies on the market – these can cover properties such as holiday homes, homes in flood risk areas, green homes, period properties, and thatched houses.

What should you watch out for when choosing a home insurance policy?

As with any form of insurance you should read the terms and conditions on a home insurance policy thoroughly before applying. Look out for any notable exclusions – such as any risks you are not covered against or any items you cannot insure.

Check the policy limits on both buildings and contents insurance. With buildings insurance make sure you are covering the rebuild value of the home and not the retail value – there is no reason to cover the retail value as this takes into account land, location and more. With contents cover, watch out for limits on specified items – items that are worth more than this limit (typically set at around 1,500) may need to be insured separately.

How to choose a home insurance policy

Think about what you want your policy to cover and the options you require. For example, many home insurers will offer cover for accidental damage to contents. This can be worthwhile if you have high value items in the house and particularly clumsy children but may not be worth paying an additional premium for in other cases because your policy excess may be too high to make it worthwhile.

Considering the policy excess is important too. Though setting the excess at a high level will lower your premiums, setting it too high can take away the purpose of your policy. Make sure you only set it at a level you can comfortably afford. Look into payment methods too – can you pay monthly and if so, are you charged extra?

Once you have decided on the policy options that are important to you, use a comparison website to compare home insurance policies. By inputting details into one of these search tools you can find quotes from a range of insurers. By examining the options available and the premiums for each one you can make your decision about the right policy for you.

How to save money on home insurance

There are savings to be made if you increase the security at your home cutting down the risk of theft. Many insurers will ask if you have alarms, window locks and door locks in place and may recommend specific devices. You can also cut premiums by reducing the risk of a fire getting out of hand such as by quitting smoking, installing smoke alarms and fire extinguishers.

However, comparing policies online is the key to cheap home insurance as most providers offer their cheapest deals on the internet due to reduced overheads.

Because the housing market is currently dwindling and the amount it costs to move is so high, it is not surprising that many people are trying to improve their home through extensions. One item which is commonly overlooked during extensions is extension insurance that is able to save the homeowner significant amounts of money in damage, claims, expense, and unwelcome loss.The truth of the matter is, for the majority of people, obtaining an extension for their home requires permission for planning, obtaining the required builders, and paying for the necessary work. Insurance is needed in order to cover risks during the projects as well as damage and loss to both the existing structure and the extension.It is possible for homeowners to believe that their insurance policy will cover any risks that may occur during the extension of the building. This is not typically the case as there are several areas that are not covered by typical policies, making extension insurance necessary.Extension insurance is required in order to cover legal responsibilities that the homeowner has towards workers on their project, their employees, as well as neighbours and the public. These packages exist so as to cover the risks and damages which might occur. In a similar vein, the machinery or other equipment that is used might cause damage to the property of a neighbour for which you would be liable.Along with these risks, keep in mind that you do not need to insure both the work and the materials. The materials themselves are not included in normal building insurance and so separate insurance is needed in order to cover damage, loss, or theft. If the extension building leads to structural damage to the existing structure, it is not likely that any damage would fall under standard insurance. However, extension packages would cover this potentiality.You cannot ignore the fact that some disputes may lead to expensive delays and legal advice and consultation. The majority of extension insurance packages includes provisions for legal expense reimbursement.In short, there are several areas which extension insurance can be applied to so as to cover particular risks that are not within the standard home insurance’s scope. In order to determine what risks need to be covered through additional insurance, you should speak to an insurance adviser.In combination with the above coverage, significant extension projects might inevitably lead to the building being unoccupied during the process. This would require further unoccupied insurance.