The main reason for taking out a home cover policy or home insurance is to protect you financially against unforeseen damage and the resultant repairs to your home. Normal wear and tear of your home are not normally included in a home insurance policy but may be included in some comprehensive home cover packages.

When it comes to owning a home, it’s always best to prepare for potential disasters. We’re talking a broken down boiler in the middle of winter, a burst pipe that floods your flooring and dodgy electrics that leave you in the dark. Although you can’t always prevent these kinds of problems from happening, you can protect your property (and your bank balance) by taking out home emergency cover.

Has your water bill suddenly increased but you haven’t been using more water than usual? Or are you being kept awake by a dripping tap? You may have a small water leak somewhere in your property. It’s important to check, as leaks can cause water damage or affect your boiler pressure, central heating, and hot water supply.

According to the Energy Savings Trust, four in ten of us avoid switching our heating on during colder spells due to fears of high energy bills. A third of people also say they can’t make their homes as warm as they like.

What does the nights drawing in make you think of? Is it cosy comfort food, warm hot chocolate with lashings of cream and marshmallows and a lovely warm welcoming house? Sounds lovely doesn’t it?

Power cuts can be a little on the scary side, particularly in bad, stormy weather, when they are most common. Luckily for you, we’ve put together a guide on what to do in a power cut, to help you identify and deal with any challenges you may face. We’ll also discuss how you can prepare for a power outage, so you aren’t left completely in the dark, next time the lights go out.

When it comes to thermostat settings, people have their own idea of what constitutes a warm room. For some, the idea of sitting in constant warmth is heavenly, while others much prefer a cooler living environment.

It’s raining heavily. You’re inside, the fire’s lit, the heating’s on, you’re happy. Until, you hear dripping water above your head. You run upstairs and there’s a telltale damp patch on the ceiling. Water’s leaking from somewhere. Is it from pipes in the roof? You turn the water off. Half an hour later, the damp patch is getting bigger? It looks like you’ve got a leaking roof. So what do you do?

There are many roof types. Some have been around for ages like thatched and slate. Others are more modern creations like a fibreglass roof or warm roof construction. There are many roof tiles types too. Some of these are made from natural raw materials, like slate. Others are made from man-made materials. These are usually found on new houses, or older houses that have been re-roofed