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Contents Insurance

Contents Insurance cover provides insurance against damage or loss to possessions which are not a fixture in the home.

This includes money, mobile phones, watches, jewellery, as well as electrical appliances.  Many policies will also provide cover for contents of fridges and freezers and also contents whilst moving home!

As with all insurance policies, check the levels of insurance cover along with any insurance excesses.

When checking suitability of your home insurance cover, check whether items of high value are covered, as often they need to be individually itemised in the policy documentation.

You also need to check that you have purchased the correct cover for the persons living in your home.

Check out whether your home is your main residence – if it is unoccupied for more than two months in twelve, it could be classed as a holiday home.

If you have had any extensions, check that these are also covered.