House Insurance. How to get home contents insurance or cheap home insurance and where to get your home insurance quote (including where to get an online instant home insurance quote)

Get home insurance quote
House Insurance
> House Insurance Home Page
> Home contents insurance
> Buildings insurance
> Garden contents insurance
> Holiday home insurance
> Buy to let home insurance
> Home appliance insurance
> Mobile home insurance
> Flat share home contents insurance
> Small business home insurance
> Overseas home insurance
   
House insurance provider
Tesco home insurance
Direct Line home insurance
AA home insurance
Barclays home insurance
SAGA home insurance
 
Editorial Articles

Subsidence

Other Insurance Links

Car Insurance
Life Insurance
Holiday Insurance
Health Insurance
Pet Insurance
Wedding Insurance
Dental Insurance
Insurance Portal

 

Home contents insurance

Home contents insurance or house insurance is usually made up of two seperate entities. Home contents insurance, the insurance we take out against the contents of our home, and the insurance we take out to cover damage to the "bricks and mortar" or in extreme cases the rebuild cost of our dwelling (buildings insurance). Sometimes both of these home insurance policies are combined to form home building and contents insurance. Many mortgage providers insist we have a policy that covers the "rebuild" cost.

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.

Family Legal Protection

You will probably also have the option to add family legal protection to your contents policy. This usually provides a 24 hour Helpline staffed by legal advisors who can advise you on any personal legal issue and financial assistance, up to a specified amount, to pursue your rights, e.g. if you buy goods which turn out to be faulty, or if you are dismissed by your employer without good reason.

Part of the Insurance Web Site network of web sites

Financial services products may be regulated to protect the consumer by the FSA and other such bodies
This site, and all of the sites in the Insurance Website network is/are intended to provide general information only and not provide specific individual advice