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In this post I will summarize about that why you need home insurance and how it protects you. There are many types of home insurance. I will aslo explain that how home insurance helps in case of damage to home.

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I choose this image because it explains that how it protects you. In one image only it shows why you need insurance and what are the types of insurance and it also explain that how you can claim.

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This image shows coverage of insurance. It shows that how home insurance covers all the basic things which we requires in our daily living. It also shows that how home insurance helps not just to owner but to the belongings, too.

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This video provides all the basic information regarding to the coverages of home insurance. It is very short video but gives all the basic information. They use the statement which is "your home is most valuable investment" which gives profound impact on viewers.

It mostly emphasize on standard homeowners policy which are mainly two. first one is property coverages and second is liability coverages. It gives detail information of this two coverages.At the end of the video it gives more contact information if someone want to know more about the insurance policy.

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This video reflects types of insurance. It explains 8 different types of insurance policies, which helps the viewer to choose that which one is most suitable for him. He explained each of the types in briefly but gives all necessary information. In the end of the video he also aware the people that choose the right agent and ask him for comprehensive form and confirm from him that how policy works and how it helps and make sure that what are the terms and conditions of the policy. This video has also gives detail contact information to the viewers if they want some more information and he also replies in the comment box below.

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Homeowners Insurance (8 Types Explained!)

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I find this video interesting because in this video it explains that what are the things which you have to keep in mind when you searching for insurance policy for home. Well known insurance professional is invited in this video for conversation. It says that first you have to make sure that you are going with well known company or agent. So, when you claim it must pay otherwise it creates dangerous situation. He also explained that always buy insurance from local agent instead of online agency. Because, online agencies are sometimes fake while if you have some query than you can directly go to the local agent if bought it from him.

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What Should You Know About Homeowners Insurance Policies?

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I choose this video for this assignment because it is different from the other videos. It shows how to claim for insurance if you have already insurance policy because many people don't know that how to claim insurance when they actually need. It is also says that how to be ready before claiming it. It explains the detail description about the claiming process. For instance you must have to save receipts if you have paid something for damage or take pictures or video of damage and than consult you insurance agent. So, it helps people a lot immediately by watching this video if they do not know anything about claiming process.

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This website defines the home insurance first. It also says about the coverage of the insurance policy. Initially it also describes about the understanding of the insurance plan. As per this site it says that insurance covers 4 incidents on the insured property which are interior damage, exterior damage, personal/ belonging damage or injury which occur while on the property.

I included this website because it gives base to my assignment because it introducing the home insurance. It also says what are the coverage and non coverage in insurance.

https://www.investopedia.com/terms/h/homeowners-insurance.asp

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I find this website useful because it says that why you need home insurance. many people believes that it does not help because of some bad experience with insurance company. It also says that home insurance not just comprises your home but it also includes dwelling coverage, personal property coverage, personal liability coverage and many more.

Apart from the needs of insurance it also describes the limits of insurance. It says that it does not prevent damage but yes it can give you financial support.

Important thing which i learned from this site is it presents both pros and cons. It is short and precise article which gives all the basic information and easy to understand.

https://www.allstate.com/tr/home-insurance/why-do-i-need-home-insurance.aspx

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This website explained me that I can claim the house insurance if the damage is occurred by various reasons. There are several home insurance company who covers the damage occurred due to act of god likely flood or any other natural disaster. Moreover they have explained that there are different types of home insurance like bedroom insurance, building insurance, property insurance ,etc.

The most valuable thing i learned from this website is to shop around and do my market research before sticking with a particular company. I should go for the best deal available to me.

https://www.which.co.uk/money/insurance/home-insurance/home-insurance-explained/buildings-insurance-explained-azp6x0z5ct20

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From this topic I learned that no matters what how much the premium is, one should always have their home insured by trustworthy agency. In case of any house hold accident, people can claim the insurance without spending a single penny.

For instance, a house in oshawa downtown was accidently put on fire by a group of new international students who came to canda for studies four years ago. fortunately, house owner was having the home insurance covered. So, he got all his money back.

I would like to pass knowledge and information to new buyers who are willing to buy their own house and who does not have any knowledge regarding home insurances. Moreover, I would like to share some of my recent market researches relavant to this topic.

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This website says that what are the charges they are insluding in insurance. They just charge only legal charges and not anything extra. They also includes what are some steps which involves the legal insurance cover.  They also says that how to notify the policy holders for claiming the legal expense.

I found this website something interesting because it involves the expenses which are legally taken from policy holders. They do not take any extra from them. They also says that how to use policy in case of any damage occur.

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Legal Expenses Insurance Explained

At Truth Legal we refuse to join any insurer panel for legal expenses insurance. We have, however, acted for our clients under most of the available legal expenses insurance on the market, not charging our client anything extra. We have also helped many clients to exercise their "freedom of choice" of solicitor so that we - rather than a large, panel firm, often nowhere near our clients - is appointed.

On this page we will explain how legal expenses insurance works and how you can instruct your own solicitor using the "freedom of choice" doctrine.

What is legal expenses insurance?

Legal expenses insurance is insurance which is usually purchased with home or motor insurance; however, it is possible to buy legal expenses insurance on its own. Many people have legal expenses insurance but do not know that they have it and, if they have it, many people are clueless as to what it covers. In our experience, many insurers, it seems, go out of their way not to remind their policyholders about the policy which they sold.

Unlike some insurance which is purchased "after the event", legal expenses insurance is bought "before the event" i.e. before you need the insurance - like most insurance products.

What legal actions does legal expenses insurance typically cover?

Most legal expenses insurers will only usually cover very particular claims or defences.

The norm for the majority of household-related legal expenses insurance policies is to cover the pursuit, or defence, of legal proceedings, arising from their policyholder's:

ownership of the insured home;

employment situation;

death or personal injury claims; and

claims arising out of contracts for the sale and supply of goods and services.

In relation to motor-related legal expenses policies, the typical policy only covers claims which arose from the use, or ownership, of the insured's vehicle.

At Truth Legal we have not seen a policy of insurance which would cover a defamation action (either bringing or defending) or legal expenses insurance policies which covers matters such as crime, immigration, family, judicial review etc in which there was/use to be legal aid.

How and when to notify a claim to your legal expenses insurers

Most legal expenses insurance policies require their policyholders to report a claim to them as soon as possible, over the telephone or in writing. For claims involving employment law, a claimant should act quickly because time limits are very tight (often three months less one day to start ACAS Early Conciliation).

To find your insurers, locate your insurance policy and either telephone general enquiries, or locate the dedicated number which only deals with legal expenses insurance (as they are likely to be different insurers). Once you are speaking to the correct person, it is wise to request that a form is emailed to you to complete, rather than explaining your case over the telephone to someone in a call centre.

At Truth Legal we often help our clients to complete the claim notification form to ensure that the insurers fully understand the claim that they are being asked to fund.

How do the insurers assess the case?

Legal expenses policies normally contain a clause which allows the insurers to drop a claim, or not even to commence a claim, if there are no "reasonable prospects of success". This means that a claim does not have at least 51% chance of winning. Sometimes an insurer will assess the prospects of success themselves, and sometimes they will ask their panel solicitors to assess the claim.

Panel law firms do not always use solicitors to assess a case. Usually panel law firms tend to be larger law firms which have a significant number of paralegals. At Truth Legal we have some concern about the use of panel solicitors because, although they ought to be acting exclusively in their individual client's best interests, they of course have a longstanding, commercial relationship with their paymasters - the insurers; and it is in the interests of the insurers to support as few claims as possible, particularly as legal expenses insurance is relatively cheap.

If you are of the view that the assessment of your case by an insurer themselves or via their panel solicitors is incorrect, then you can challenge the decision. To do so, it is usually prudent to provide the insurer with alternative legal advice (assuming the advice supports you) from a firm such as ourselves. If, then, an insurer does not provide funding for your case then you can complain to the Financial Ombudsman Service or bring a claim against the insurers (though be mindful of exposing yourself to their costs).

In the event of a disagreement between the advice of a panel law firm not to support a claim and another law firm who are of the view that a claim enjoys reasonable prospects of success, the insurer should refer the matter to a barrister to provide an advice on whether funding should be granted.

The cost of legal proceedings compared to the amount claimed

It is normally written into a legal expenses insurance contract that an insurer does not need to fund a claim if a prudent uninsured person probably wouldn't fund the claim themselves. By way of example, you cannot expect your insurer to spend, say, £1,000 on legal fees pursuing a £150 claim for you.

Can you choose your own solicitors under legal expenses insurance?

Yes and no.

Most legal expenses policies allow the insurer to appoint their own choice of solicitors (usually the panel solicitors) up to the time where legal proceedings start - unless there is a conflict of interest.

But once legal proceedings commence (when the legal "claim form" is issued or an ET1 in an Employment Tribunal) - or if there is a conflict of interest - the law (regulation 6 of the Insurance Companies (Legal Expenses Insurance) Regulations 1990 [SI 1159]) allows policyholders to choose their own solicitors

If you are adamant that you want a particular firm of solicitors - such as Truth Legal - to represent you from the beginning of your case, then you should make these arguments in writing to the case handler at the insurer. Your arguments might include, for example, that your preferred solicitors:

1. Have been instructed by you before proceedings and therefore fully understand the issues.

2. Are nearer to you and it is important that you meet your solicitor in person.

3. Have a particular expertise in the area of law which you need.

4. Are already representing other clients who have similar claims to you.

5. Have been acting for you on a related matter and therefore have special knowledge of your case.

6. Can communicate with you better than a panel firm of solicitors due a language requirement.

7. You are likely to get a more experienced solicitor in your preferred firm than in the panel firm.

If your legal expenses insurers still will not let you use your preferred solicitors and you still want to use your preferred solicitors, we have seen a number of our clients transfer their case to the panel solicitors in order to commence the claim and then demand that the case is transferred back to the preferred solicitors - Truth Legal.

If you successfully use your preferred solicitors then the insurer will require the non-panel solicitors to agree to the insurer's standard terms of appointment. At Truth Legal we accept the terms offered by legal expenses insurers, however, some firms either demand a higher rate from the insurers or seek additional payment from their client. The law is somewhat unclear as to whether the non-panel solicitors can charge more fees than the panel solicitors would be paid. At Truth Legal we do not waste our clients' time by demanding higher fees from the legal expenses insurance, nor do we ask our clients to top-up our fees.

If you have legal expenses insurance which you want to use to bring or defend a claim, please contact one of our solicitors to arrange a free, no-obligation consultation at a time convenient for you. It is your policy - use it.

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Legal Expenses Insurance Explained At Truth Legal we refuse to join any insurer panel for legal expenses insurance. We have, however, acted for our clients under most of the available legal expenses insurance on the market, not charging our client anything extra.