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Contents insurance is a type of home insurance policy that protects the belongings inside your home from risks such as fire, theft and flooding.
Contents insurance will protect more than just your phone and laptop. Here’s what a typical policy will cover:
Contents insurance covers any belongings or items which you are physically able to move – so, anything not permanently fitted into the home.
Buildings insurance, meanwhile, protects the bricks and mortar of your property. This will also include any permanent fixtures, such as bathroom or kitchen fittings too.
The easiest way to work out what is covered by contents insurance is by asking this simple question: would you be able to put it into a moving truck if you were heading to a new home?
A contents insurance policy will only offer so much protection. Depending on your insurer, you might not be covered for the following:
As with other types of insurance, home insurers will each have their own set of exclusions. Here are some reasons why the provider might refuse to pay out for a claim:
There’s no exact answer here. The cost of your contents insurance will come down to a few factors:
Personal possessions cover will protect your belongings outside of your home. It could be included as standard in your contents insurance.
Generally, though, you will have to pay extra and take out an additional policy. If you choose to do so, it can cover the following for theft, loss and accidental damage:
There is a long list of things we’d rather spend our money on than insurance, so here are some tips for cutting contents insurance costs:
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