Home appliance insurance, cover for the appliances in your house

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Home appliance insurance

Our homes probably contain many more home applicances than they would have done 10 years ago, so home appliance insurance in an increasingly required element of home insurance.

Contents Insurance

What is Contents Insurance?
Contents Insurance is used to cover the contents of your property against theft, fire, storm, flood and vandalism.

What type of contents does it cover?
Depending on your exact policy, your contents insurance may cover,
All household goods
Non-permanent fixtures and fittings (e.g. carpets and curtains).
Personal belongings e.g. cameras, bags and glasses.
Cash in your home (up to a specified limit).

The items detailed above will usually be covered on a "new for old" basis.

In addition, most contents insurance policies will cover (or give you the option to cover),
Accidental damage to TVs, VCRs, DVDs, stereo equipment and home computers.
Freezer contents (up to a specified amount).
Contents temporarily removed from your home e.g. caravan or holiday home (up to a specified amount).
Cost of replacing external door locks if keys are stolen (up to a specified amount).
Contents in the garden (up to a specified amount).
Extra cover over the Christmas period
Extra cover 4 weeks before your wedding.
24 hour emergency helpline for all types of cover.

Your home contents insurance policy will also give you the option to add Accidental Damage cover.

What is accidental damage cover?
When added to your contents insurance, accidental damage covers accidental damage to contents such as spilling paint on your carpet, knocking over a cabinet of crystal glasses or dropping a vase. It usually covers accidental loss away from home too.

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