{ "item_title" : "The Household Insurance Decoder", "item_author" : [" Andrea Marlow "], "item_description" : "Most people buy household insurance hoping they will never need it. But when something does go wrong, the difference between what you thought was covered and what the policy actually says can become expensive. The Household Insurance Decoder explains buildings and contents insurance in clear, practical language. It shows how premiums are calculated, what excesses really mean, how exclusions and conditions restrict cover, why valuables and possessions away from home need special attention, and what happens when you make a claim. It also explores water damage, flooding, subsidence, accidental damage, home emergencies, liability, unoccupied properties, renovations, working from home and the difficult task of comparing policies fairly. Rather than telling readers which insurer or policy to choose, this book provides the knowledge needed to understand what is being offered, recognise potentially important gaps and ask better questions before paying the premium. If household insurance has ever seemed like a collection of confusing clauses and unfamiliar terminology, this book is designed to make the contract easier to decode. Disclaimer: This book is provided for general educational and informational purposes only and does not constitute personalised insurance, financial or legal advice. Insurance products, terminology, regulation, consumer rights and claims procedures vary between insurers and jurisdictions. Readers should check the current wording of their own policy and seek appropriately qualified professional advice where necessary. Any companies, products, organisations or trademarks mentioned are the property of their respective owners and are referenced solely for factual or illustrative purposes. No endorsement, sponsorship or affiliation is implied.", "item_img_path" : "https://covers3.booksamillion.com/covers/bam/1/92/388/294/1923882945_b.jpg", "price_data" : { "retail_price" : "22.99", "online_price" : "22.99", "our_price" : "22.99", "club_price" : "22.99", "savings_pct" : "0", "savings_amt" : "0.00", "club_savings_pct" : "0", "club_savings_amt" : "0.00", "discount_pct" : "10", "store_price" : "" } }

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