Are you really covering your clients' home insurance needs?
Scott McLoughlin, head of intermediary at LV= General Insurance, says standard home insurance policies do an excellent job of protecting against major perils, but everyday life throws up risks that often fall outside that standard cover.
The learning objectives for this article are to:
- Identify the key areas where standard home insurance policies may leave gaps in a client's protection and recognise the types of optional extra cover that can address those gaps.
- Understand the importance of exploring a client's lifestyle and personal circumstances to ensure their home insurance cover is appropriate and comprehensive.
- Recognise the real-world financial impact of common everyday risks such as accidental damage, lost personal belongings, and legal disputes and how optional cover can protect clients from unexpected costs.
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