Every year the dreaded insurance renewal comes around and for most of us we just want to convenience of saying same again, nothing has changed, carry on. In reality this is not the case as the way your home is insured has nothing to do with the market value of
Christmas is a time when we like to think of family sitting around a fire snuggled up against the cold harsh weather outside. However, this also means it is a time when we are increasing the risk of fire in the home by lighting large open fires, using candles, Christmas
