By: Harley Cheetham

Contents insurance is an insurance policy that covers the personal belongings and possessions in your home. This can include, but is not limited to, furniture, electronics, clothing, and jewellery. The policy will cover the costs of replacing items within a home by the event of natural damage (flood, fire etc) or if the home is burgled. Some policies will also cover items that are taken away from the home. Contents insurance is typically purchased as an add-on to a home insurance policy or as part of a combined building and contents insurance policy.

How much coverage do I need?

When purchasing contents insurance in the UK, it is important to carefully assess the value of your belongings and possessions, as this will determine the amount of coverage you need. Many insurance companies offer online calculators to help you estimate the value of your contents. You will also need to decide on the level of coverage you require. For example, some policies may only cover your possessions if they are stolen or damaged in a fire, while others may also cover damage from flooding or other natural disasters. As qualified protection advisors, we can help you assess the value of your belongings and help find the right policy for you. 

It's also worth noting that contents insurance policies can vary in terms of their exclusions, some policies may not cover certain valuables, such as jewellery or artwork, unless they are specifically listed on the policy. Additionally, policies may include limits on the value that can be claimed for individual items. We can help to ensure that all valuables you require to be insured are covered in your policy, by finding the right policy to meet your individual circumstances and needs. 

To help keep the cost of your content’s insurance down, there are several things you can do. One is to install security measures, such as smoke alarms, burglar alarms, and security cameras, in your home. Many insurance companies offer discounts for homes that have these types of safety features installed. Another way to lower the cost of your contents insurance is to increase your policy excess, which is the amount of money you will have to pay out of pocket before your insurer starts covering the costs.

Overall, contents insurance is an important consideration for any homeowner in the UK. With the right coverage, you can have peace of mind knowing that your possessions are protected in the event of theft, damage, or other unexpected events. Contact us now for a quote.