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Home Contents Insurance

Home contents insurance is the insurance that most people think of when they think about home insurance in general. This covers you for theft of your property and damage to your possessions through flood, fire or accident. Read more...>

	Tesco Receive 50% off when you get a quote by 7th Jan 2009	50%
	Direct Line Trusted brand offering extensive cover.	25%
	Barclays Buy combined building & contents - get £50 cashback	10%
	Sainsburys 20% discount when you purchase buildings & contents	20%

There are many versions of contents insurance and you don’t have to be a home owner to have it. As a tenant you can protect your belongings with contents insurance, although where there may be clauses where you have shared access to your home entrance which should be clarified before you take out the insurance. Home contents insurance usually specifies certain security criteria such as type of locks used and level of occupancy of the property and often discounts can be gained for up to date and maintained alarm systems.

A new for old policy will replace stolen or ruined items with brand new items rather than with an estimated lesser value. Many insurance companies have arrangements with suppliers to enable them to replace approved items quickly such as standard electrical goods.

In assessing your insurance cover it is easy to underestimate just how much it would cost to replace everything new so it’s worth doing a check through of your possessions with the current retail price in mind. If you have some very expensive items such as high-spec audio or computer systems they may not be covered under the standard policy and may need to be added separately. Some home contents policies will cover bicycles but again you should check rather than assume that they are covered.

Accidental damage to your property, such as a spilled pot of paint on a carpet, may also need to be an additional extra for a standard policy.