The majority of home contents insurance providers will offer cover for such things as:
- Electrical appliances (e.g. TVs and computers.)
- Valuables (e.g. Jewellery or art.)
Home contents insurance protects you from everyday risks and if your household goods and contents are damaged, should something happen that is outside of your control.
Many households opt for the ‘old for new’ home contents insurance cover. If an item is damaged or stolen, the insurance provider will replace it with a new one. Be sure to check that the items you wish to cover are included in the home contents insurance you apply for.
Most insurance companies will only accept home contents insurance claims on goods that have been damaged or stolen from inside the home. However, you can buy ‘all risk insurance’ which will cover items such as cameras and sporting equipment that you take out of the home. You should expect to pay more for this additional cover.
Although it is not obligatory, we strongly advise you to take out a home contents insurance policy. There are many companies that offer home insurance quotes and at competitive prices. Take some time to consider the best home insurance option for you and compare prices.