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Please read our simple guide to home contents insurance, or get a quote now! home contents insurance
What is covered?
Most home contents insurance policies will cover you for just about everything you would take out of the house if you moved home, including furnishings, televisions, videos, carpets, personal effects and valuables. However, you need to check whether your home contents insurance policy is new for old. New for old means you will be paid the full cost of repairing damaged items, or the full cost of replacing them with equivalent new articles if they are stolen or destroyed. If you do not have new for old home contents insurance cover, a deduction will be made from your claim payout for wear and tear and depreciation. Get a quote now! home contents insurance
What does your home contents insurance protect against?
Generally home contents insurance will cover possessions for loss or damage in the home against fire, flood and theft. Each home contents insurance policy offered by individual insurance companies will be different and may include accidental damage cover to televisions, carpets and furniture. If you wish to insure possessions such as jewellery or cameras outside of the home against loss or accidental damage seek advice from your home insurance company. It is likely you will be charged additional premiums, and home contents insurance cover amounts may be limited.
Some home insurance companies can extend cover to include, freezer food, travel abroad, personal money, credit cards, pedal cycles and legal expenses. Always remember to check your home contents insurance policy carefully to see what is covered and whether the cover includes accidental damage or not. If you are unsure check with the insurance company concerned. Get a quote now! home contents insurance
How much cover do I need?
There are no easy answers and some home insurance companies suggest you value every single item you have at today's prices to calculate the cost of replacing your home contents. Fortunately, there are some home insurance companies who will insure your total house contents for specified limits such as £20,000 or £40,000. For most people these sums insured will avoid the hassle of having to value every single item.
You may have to insure expensive items such as jewellery or Hi-fi separately with your home insurance company as the single article limit may be less than the expensive item. If you are unsure what the single article limit is on your home contents insurance check with your insurance company. Consider keeping receipts of goods purchased and if necessary take photos or videos of valuable items to assist with any claim in the future. Get a quote now! home contents insurance
What is not covered?
All home contents insurance policies will set monetary limits and apply exclusions, therefore, it is in your interest to read your home contents insurance policy very carefully and check with your insurance company if there are any concerns regarding the home contents insurance cover purchased.
Get a quote now! home contents insurance
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