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.
