What is SAL, or single article limit on my home insurance?

 

This is quite simply the maximum amount that one item is covered for on your home insurance. If you have items in your possession that exceed your SAL you need to do something about it.

 

The consequence of this is harsher than people realise as the condition of average is applied.

 

To avoid this you have two choices. The first is to look for an insurance scheme with a larger SAL. The second which is more economical if it is only one item you are looking to cover is to add the item as a specified item on your policy.