DomCom Insure: Bloghttps://domcominsure.shmor.ai/blog/Timely guides on home and business insurance: rule changes, seasonal risks, claims tips and plain-English explainers for the UK, US and Europe.en Christmas gifts and your contents insurancehttps://domcominsure.shmor.ai/blog/christmas-gifts-contents-cover/https://domcominsure.shmor.ai/blog/christmas-gifts-contents-cover/Thu, 15 Oct 2026 08:00:00 GMTExpensive presents can push you over contents limits. Seasonal increases, single-item limits, gifts in the car, parcels and Christmas fire safety. NFIP reauthorization: what the next deadline means for flood coverhttps://domcominsure.shmor.ai/blog/nfip-reauthorization-2026/https://domcominsure.shmor.ai/blog/nfip-reauthorization-2026/Wed, 14 Oct 2026 08:00:00 GMTThe NFIP is authorized until 11 December 2026. What happens to new flood policies and renewals if it lapses, and how to protect your home. Your winter home insurance checklisthttps://domcominsure.shmor.ai/blog/winter-home-insurance-checklist/https://domcominsure.shmor.ai/blog/winter-home-insurance-checklist/Tue, 13 Oct 2026 08:00:00 GMTGet 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. Driving in Europe: insurance checks before you gohttps://domcominsure.shmor.ai/blog/driving-in-europe-insurance/https://domcominsure.shmor.ai/blog/driving-in-europe-insurance/Mon, 12 Oct 2026 08:00:00 GMTUK 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. How to make a home insurance claimhttps://domcominsure.shmor.ai/blog/how-to-make-a-home-insurance-claim/https://domcominsure.shmor.ai/blog/how-to-make-a-home-insurance-claim/Sun, 11 Oct 2026 08:00:00 GMTA practical guide to home insurance claims: the first hour, evidence to gather, loss adjusters, settlement offers and how to challenge one. Storm damage and your home insurancehttps://domcominsure.shmor.ai/blog/storm-season-claims/https://domcominsure.shmor.ai/blog/storm-season-claims/Sat, 10 Oct 2026 08:00:00 GMTStorm season is here. What counts as a storm, what home insurance usually covers and excludes (like fences), and how to make a smooth claim. Business interruption insurance explainedhttps://domcominsure.shmor.ai/blog/business-interruption-insurance-explained/https://domcominsure.shmor.ai/blog/business-interruption-insurance-explained/Fri, 09 Oct 2026 08:00:00 GMTHow business interruption insurance replaces lost profit after damage: gross profit, indemnity periods, extra costs and supplier extensions. Cyber insurance basics for small businesseshttps://domcominsure.shmor.ai/blog/cyber-insurance-small-business-basics/https://domcominsure.shmor.ai/blog/cyber-insurance-small-business-basics/Thu, 08 Oct 2026 08:00:00 GMTWhat small businesses should know before buying cyber insurance: insurer questions, security basics, invoice fraud and breach reporting duties. Hurricane deductibles explainedhttps://domcominsure.shmor.ai/blog/hurricane-deductibles-explained/https://domcominsure.shmor.ai/blog/hurricane-deductibles-explained/Wed, 07 Oct 2026 08:00:00 GMTMany US coastal homeowners face a separate hurricane deductible, often 1% to 5% of the dwelling limit. How percentages and triggers work. Non-disclosure and misrepresentation explainedhttps://domcominsure.shmor.ai/blog/non-disclosure-misrepresentation/https://domcominsure.shmor.ai/blog/non-disclosure-misrepresentation/Tue, 06 Oct 2026 08:00:00 GMTConsumers must take reasonable care not to misrepresent; businesses must make a fair presentation. How UK law works and how to protect yourself. Excesses and deductibles explainedhttps://domcominsure.shmor.ai/blog/excess-and-deductibles-explained/https://domcominsure.shmor.ai/blog/excess-and-deductibles-explained/Sun, 04 Oct 2026 08:00:00 GMTHow compulsory and voluntary excesses (and US deductibles) work, percentage deductibles, and how to choose an excess you can actually afford. Unoccupied property insurancehttps://domcominsure.shmor.ai/blog/unoccupied-property-insurance/https://domcominsure.shmor.ai/blog/unoccupied-property-insurance/Fri, 02 Oct 2026 08:00:00 GMTWhy home and landlord policies restrict cover after 30–60 days empty, what unoccupied property insurance covers, inspection conditions and probate properties. Working from home and your insurancehttps://domcominsure.shmor.ai/blog/working-from-home-insurance/https://domcominsure.shmor.ai/blog/working-from-home-insurance/Wed, 30 Sep 2026 08:00:00 GMTWorking from home as an employee or self-employed: what home insurance covers, when to tell your insurer and when you need business cover. Public liability vs professional indemnityhttps://domcominsure.shmor.ai/blog/public-liability-vs-professional-indemnity/https://domcominsure.shmor.ai/blog/public-liability-vs-professional-indemnity/Mon, 28 Sep 2026 08:00:00 GMTPublic liability covers injury and property damage; professional indemnity covers financial loss from your work. How to tell which you need. Starting a business: your insurance checklisthttps://domcominsure.shmor.ai/blog/new-business-insurance-checklist/https://domcominsure.shmor.ai/blog/new-business-insurance-checklist/Sat, 26 Sep 2026 08:00:00 GMTThe insurance to sort before you start trading: legal must-haves, what clients and landlords ask for, policies to update and covers to review later. Monthly vs annual insurance paymentshttps://domcominsure.shmor.ai/blog/monthly-vs-annual-insurance-payments/https://domcominsure.shmor.ai/blog/monthly-vs-annual-insurance-payments/Thu, 24 Sep 2026 08:00:00 GMTPaying car or home insurance monthly usually means borrowing. What the FCA’s 2026 premium finance study found and how to check the real cost. Insurance Premium Tax (IPT) explainedhttps://domcominsure.shmor.ai/blog/insurance-premium-tax-explained/https://domcominsure.shmor.ai/blog/insurance-premium-tax-explained/Tue, 22 Sep 2026 08:00:00 GMTUK Insurance Premium Tax explained: which policies pay the 12% standard rate, which pay 20%, what’s exempt (including life cover) and how it shows. Under-insurance and the average clausehttps://domcominsure.shmor.ai/blog/underinsurance-average-clause/https://domcominsure.shmor.ai/blog/underinsurance-average-clause/Sun, 20 Sep 2026 08:00:00 GMTInsuring 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. Flood Re explainedhttps://domcominsure.shmor.ai/blog/flood-re-explained/https://domcominsure.shmor.ai/blog/flood-re-explained/Fri, 18 Sep 2026 08:00:00 GMTHow 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. Employers’ liability insurance: the fines, and how to stay complianthttps://domcominsure.shmor.ai/blog/employers-liability-penalties/https://domcominsure.shmor.ai/blog/employers-liability-penalties/Wed, 16 Sep 2026 08:00:00 GMTUK 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. The UK renewal pricing rules: what “no more price walking” means for youhttps://domcominsure.shmor.ai/blog/fca-renewal-pricing-rules/https://domcominsure.shmor.ai/blog/fca-renewal-pricing-rules/Tue, 15 Sep 2026 08:00:00 GMTSince 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.