Spilling Juice On Your Laptop Is Just One Thing That Could Go Wrong In The World Of Home Insurance

Home insurance is something that all sensible people have but also something that most people rarely think about until they have to use it. What with the credit crunch and all I have been trying to save my pennies so I have been thinking about the cost of things that I would normally just take for granted.

The first and last time I used home insurance was when I was back at university. I had been up all night writing a last minute essay about broadcast news in New Zealand and Australia (thrilling I am telling you) and I had almost finished it. When I had finally tapped the last keys on the keyboard I stood up in triumph at my not half bad effort, ready to plug in my printer to print the four page masterpiece. Now, because I had started and finished the essay in one fell swoop I had made the massive schoolboy error of not bothering to remember to hit the save button. This mistake was about to be painfully regretted for as I stretched out my arms I knocked the wire of my bedside lamp causing it to topple over onto a glass of orange squash that was perched on my computer desk (you can see where this is going). The orange juice wobbled and before I had chance to say oh deary me” it fell right on top of my open laptop.

There was a fizz and then the whole thing turned off.

I called my parents in tears, panicking down the phone that I could never afford a whole new laptop. My dad calmed me down and told me not to worry because he had extended the house insurance to cover me whilst I was at university because he knew how clumsy I could be.

Thankfully for me, because my laptop was covered under my parents’ home insurance policy I got a brand new one. Unfortunately for my essay it could not be recovered and I had to type it out again on my friend’s computer. Needless to say I felt terrible the next day from lack of sleep but never the less I did make it to the 12 o clock deadline.

As I now own my own home I have realised the importance of finding good home cover. Not because I think I am ever going to need it, just because I know that I am going to have to make a payment every month and that if something ever does happen I want to make sure my payments are worth it.

I have started looking online for the best type of cover. It’s easy to compare prices and rates online and I have realised that with the amount of choice out there, there is no doubt that I wont be able to save myself money and get a better deal so when I send my kids to university, they can spill as much orange juice as they like.