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.
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?
on your exact policy, your contents insurance may cover,
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),
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.
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