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The DomCom Insure blog
Rule changes, seasonal risks and practical explainers for households and small businesses. Every post links to official sources.
Photo: Aaron Lefler on Unsplash
Latest posts
Christmas gifts and your contents insurance
Expensive presents can push you over contents limits. Seasonal increases, single-item limits, gifts in the car, parcels and Christmas fire safety.
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NFIP reauthorization: what the next deadline means for flood cover
The NFIP is authorized until 11 December 2026. What happens to new flood policies and renewals if it lapses, and how to protect your home.
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Your winter home insurance checklist
Get your home and policy ready for winter: preventing burst pipes, storm prep, heating while you’re away, unoccupancy rules and what to do if water escapes.
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Driving in Europe: insurance checks before you go
UK drivers don’t need a green card in the EU, but should still check foreign-use cover, breakdown, hire cars and documents. A pre-trip checklist.
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How to make a home insurance claim
A practical guide to home insurance claims: the first hour, evidence to gather, loss adjusters, settlement offers and how to challenge one.
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Storm damage and your home insurance
Storm season is here. What counts as a storm, what home insurance usually covers and excludes (like fences), and how to make a smooth claim.
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Business interruption insurance explained
How business interruption insurance replaces lost profit after damage: gross profit, indemnity periods, extra costs and supplier extensions.
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Cyber insurance basics for small businesses
What small businesses should know before buying cyber insurance: insurer questions, security basics, invoice fraud and breach reporting duties.
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Hurricane deductibles explained
Many US coastal homeowners face a separate hurricane deductible, often 1% to 5% of the dwelling limit. How percentages and triggers work.
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Non-disclosure and misrepresentation explained
Consumers must take reasonable care not to misrepresent; businesses must make a fair presentation. How UK law works and how to protect yourself.
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Excesses and deductibles explained
How compulsory and voluntary excesses (and US deductibles) work, percentage deductibles, and how to choose an excess you can actually afford.
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Unoccupied property insurance
Why home and landlord policies restrict cover after 30–60 days empty, what unoccupied property insurance covers, inspection conditions and probate properties.
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Working from home and your insurance
Working from home as an employee or self-employed: what home insurance covers, when to tell your insurer and when you need business cover.
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Public liability vs professional indemnity
Public liability covers injury and property damage; professional indemnity covers financial loss from your work. How to tell which you need.
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Starting a business: your insurance checklist
The insurance to sort before you start trading: legal must-haves, what clients and landlords ask for, policies to update and covers to review later.
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Monthly vs annual insurance payments
Paying car or home insurance monthly usually means borrowing. What the FCA’s 2026 premium finance study found and how to check the real cost.
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Insurance Premium Tax (IPT) explained
UK Insurance Premium Tax explained: which policies pay the 12% standard rate, which pay 20%, what’s exempt (including life cover) and how it shows.
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Under-insurance and the average clause
Insuring for too little can cut every claim, not just total losses. How the average clause works for home and business insurance, with a worked example.
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Flood Re explained
How Flood Re helps UK homes in flood-risk areas get affordable insurance, which homes are eligible, why post-2009 homes are excluded and the 2039 end.
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Employers’ liability insurance: the fines, and how to stay compliant
UK employers can be fined up to £2,500 a day for not holding employers’ liability insurance. Who must have it, the £5m minimum and the certificate rules.
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The UK renewal pricing rules: what “no more price walking” means for you
Since 2022, UK home and car insurers can’t charge loyal customers more than new ones through the same channel. What the FCA rules mean for your renewal.
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