REALTY INSURANCES - Realty Review
REALTY INSURANCES - Realty Review
REALTY INSURANCES - Realty Review
18th June 2014
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REALTY INSURANCES - Realty Review
REALTY INSURANCES - Realty Review
Welcome

Welcome to the third edition of our electronic newsletter, Realty Review.

In this issue we focus on subjects that will be of interest mainly to homeowners. The articles cover the benefits of insuring precious items as 'fine art' rather than 'general contents'; steps that you can take to increase the chances of lost or stolen items being returned to you; and general guides to burglar alarms and home safes.

We hope that you find the articles both interesting and informative. Please contact us at info@realtyinsurances.co.uk with any feedback, particularly if there are any matters you would like us to consider addressing in future publications.

REALTY INSURANCES - Realty Review
Technical Corner - Subrogation
In this section we are covering some of the more technical aspects of an insurance policy. We hope that this helps you to understand the practical implications of some of the clauses and conditions contained in policy wordings. Here we address the subject of subrogation and why insurers seek to have the right to subrogate against third parties.
Importance of insuring for the correct amount
A General Guide to Alarms
There are two types of burglar alarms, those with audible bells / sirens only and those which are linked to an Alarm Receiving Centre. Signalling on older alarm systems is via a digital communicator which traditionally requires a second telephone line. 
Importance of insuring for the correct amount
Recovering Stolen Items

If you are unfortunate enough to have your treasured possessions lost or stolen, the more detailed the description of the items you can provide to the authorities, the better the chance of you getting them back.

The Council for the Prevention of Art Theft (CoPAT) recommends that you retain in a safe place a detailed description of your...

Importance of insuring for the correct amount
 
Fine Art

When discussing contents insurance with clients we always ask if there are any items which can be described as 'fine art' or 'collectables'. The definition can be very wide and include everything from paintings, antique furniture, furniture by modern designers, sculptures, ceramics, rare books and manuscripts, to collections of railway signs,...

Importance of insuring for the correct amount
A General Guide to Home Safes
There is a wide variety of home safes available. Each safe will have a 'cash rating' which is based on how long it will withhold an attack. Typically most insurers will consider that a safe is suitable to hold jewellery to a value of 10 times the cash rating, so that a safe with a cash rating of £10,000 would be appropriate to store a collection...
Importance of insuring for the correct amount
REALTY INSURANCES - Realty Review