It will be up to the insurance company to decide how they will price the risk of your high risk items, but the general trend will be that higher risks will bring higher premiums.
Some examples of what are considered to be high risk items are:
- Televisions, DVDs and video and audio equipment
- Money, Credit and debit cards
- Cameras and photographic equipment
- Musical instruments
- Computers and any related equipment
- Jewellery, especially gold, silver and other precious metals
- Valuable collections
- Expensive sports equipment
Some examples of things that are not likely to be included in contents insurance for high risk items are:
- Domestic appliances and fitted units
- Vehicles and items such as caravans, trailers, boats and canoes
- Property and equipment used in the house for purely business purposes
- Data stored on computers
It is important to study different contents insurance quotes to make sure your most prized possessions are adequately covered.