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What amount should I insure for?
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If you are insuring your house and its contents then you should insure on the actual value or the market value of the house, (land value to be deducted). If you are insuring “new for old” you should insured for the replacement cost of the contents.

If you are insuring your business then you should insure for the replacement cost of your business assets in addition to stock (which is insured on actual cash value).
As businesses tend to have different needs and requirements, our professional underwriters will help you make the right decisions.

If you are insuring your motor vehicle on comprehensive basis, then you should insure for the actual cash value of the vehicle in its present condition.

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