The level of contents insurance you need will depend on the value of your possessions. Most contents insurance quotes will usually include special cover for things such as:
- Paintings and art collections
- Computers and home entertainment equipment
If you are looking for contents insurance for your valuables, you may find a standard insurance policy does not cover you appropriately. Alternatively, you may prefer to deal with a specialist insurance provider who can tailor to your insurance needs.
If you have very expensive items, it is important that the level of cover you receive protects them from damages, theft and loss. A specialist insurance company could see to it that your items are sufficiently covered.
You should make a list of your items and estimate how much they are worth individually. Your insurance company will ask you to provide this information when you apply for contents insurance.
If you are unsure of the value, you should research the item to make sure that you do not estimate less than it is worth. You may want to contact a valuer who will come and view the valuables in person and give you an accurate figure of the item’s worth.
When you a searching for contents insurance for valuables, remember to read each policy carefully and check that it offers the cover you need.