Contents Insurance
An insurance policy, that protects your personal and/or business possessions from any kind of disaster (theft, fire.). Some Insurance companies give you the option to cover your possessions (bicycle, watch, jewellery) even when you are away from home.
Buildings and contents can be insured against loss or damage caused by Specified Perils or All Risks. Specified perils vary with each policy, but generally include cover from the following causes:
- Fire
- Burst pipes
- Malicious damage
- Riot
- Storm
- Flood
- Falling trees
- Lightning, aircraft
- Leakage of fuel from fixed oil or heating installations
- Impact by road vehicles
- Explosions and earthquakes
All risks includes the specified perils above, plus accidental Damage which covers the insured items against being accidentally dropped, knocked, lost or damaged. Insurance for household goods, clothing, furniture and equipment which you own or are legally responsible for. Get a Free Home Contents Insurance Quote now.
The dwelling, its extensions and private garage and domestic outbuildings which are of standard construction and used solely by you as a private home.
To get cover for your household possessions such as televisions, videos, carpets, and furniture, you’ll need to consider home contents insurance. Most policies will cover you for fire, flood and theft and many will also pay out for accidental damage, such as if you spill a drink down the back of your TV!
- Home contents
- Valuables
- Garden contents
- Replacement locks
- Personal money
- Loss of oil / metered water
- Food in your deep freezer
- Extra accidental damage cover available
If you accidentally damage your TV, video, audio and audio visual equipment, or your home computer, it's covered. Goods will be replaced on a "new for old" basis.
To work out how much cover you need, it’s wise to do an inventory of your possessions. This is simple - just go from room to room and write down all the items in it. Then work out how much it would cost to replace each item on your list. Add it all up and you will have a very good idea of just how much contents cover you will need.
Particular items may need to be insured separately as most policies will have limits on payout's on individual items. Jewellery or expensive electrical equipment may fall into this category.
Business Contents Insurance can be some or all of the following: machinery, plant, trade furniture, fixtures and fittings including office equipment and computers, work in progress, office furniture and stock.
Standard insurance to protect your business property and fixtures/fittings. If you are working from home, you may need to inform your household insurer to ensure that this extends to your home business needs.
Important if you have PC equipment at home (or on your premises) - if you knock your drink down the back of the PC monitor, you would be liable to fork out several hundred pounds for a new one, unless you have the correct insurance type in place. This type of insurance will protect your business equipment of whatever nature, subject to the terms of cover.