There are two types of home insurance; buildings cover which protects the structure of the house and any permanent fixtures inside. Contents insurance is designed to protect your belongings.
Contents insurance is designed to protect your belongings. As a general rule, your contents are the things that could be taken with you if you decided to move house. Chances are that the figure is in the tens of thousands. This is where contents insurance comes in.
A contents insurance policy protects your possessions against theft or damage from fire and flooding. This could include things like:
Furniture - beds, sofas, wardrobes and dining tables.
Entertainment - DVDs, CDs, video games, books and vinyl.
Kitchenware - pots, pans, cutlery as well as microwaves, kettles etc.
Soft furnishings - cushions, curtain and bedding.
Electricals - TVs, DVD players, laptops, games consoles and digital media.
Toys, ornaments and antiques.
Clothes and jewellery
Though they’re usually not part of a standard contents policy, some insurers may offer extra cover at a cost.
The most common extras are:
Accidental damage cover – in case you drop your iPhone down the toilet or your toddler knocking over the television.
Legal expenses cover – covers legal fees for if you took a tradesman to court, or if someone was injured in your home and then sued.
Home emergency cover – offers a helpline for quick assistance when a pipe bursts, a window breaks or your house is infested with pests.
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