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Summary:  
Home and contents policies cover all portable items in your home.  discover what it would cost to replace your belongings.  You can decide to pay more for further insurance.

Check out your home and notice the removable items that you take for granted, like TVs, the furniture, your clothes and jewellery, even the fish, meat and veg in your freezer. Oh and don’tDo not miss out the lawn mower and garden tools if it’s kept in a locked shed in the garden.  And money you may keep in a piggy bank, up to around 250 pounds perhaps. These items constitute the ‘contents’ for insurance purposes and they ought to be insured for loss or damage.

It is not compulsory to have contents insurance so being able to obtain a mortgage wouldn’t depend on having it, nonetheless it is extremely important.

Consumers generally claim if their goods have been damaged or stolen, but contents insurance cover would usually also protect against events such as vandalism, an explosion or damage due to water leaks.

The cost of altering the locks is normally incorporated contents insurance policy if your bag was taken with the house keys in it. 

Mishaps take place, and most insurance policies will pay out for a broken mirror for instance.  You have to state and pay more additional costs to include damage to electronic gadgets, so look at the small print in the insurance policy carefully to be certain that you are getting the protection you require.

You can opt for an ‘all risks’ extension to your contents policy which covers loss or damage to your possessions, when you are away from home.  Items such as cameras, the jewellery you are wearing, and your spectacles.

Most insurance policies contain personal liability cover which pays out if a visitor injures themselves on your premises, or if you harm someone else’s possessions on their property.  This claim could be for up to £500, 000 .

Some insurance covers have provisos such as raising your cover around Xmas when you expect to have more gifts around, likewise for a few weeks either side of a son or daughter’s wedding so the wedding gifts are well protected. 

An extra gain for families whose youngsters are away at uni is when your contents insurance policy covers their individual possessions and household goods where they are living.  The cover may be for up to 12 percent of your total sum insured.

Running a business from home will need an additional insurance,  as many home and contents policies exclude cover for this.

The more insurance you wantthe higher your payments. The sum you are insured for is the total the life insurance company will settle, even if all you possess is ruined.  So you need to think very  carefully and tot up the cost of your goods.

It’s not easy to know the cost of your belongings but you must have some idea in order to insure them properly.  Look through the whole house – garage, loft, shed, everywhere, and make a complete list.  Find out what the items would cost today if you had to replace them.  It could be staggering!

This doesn’t  apply to towels, clothes or bedding for instance, as wear and tear is subtracted from the cost of new.  Cheap Life Insurance companies total the cost of a coat, for instance, by taking off a quarter of the initial cost for each year you have had it.

Lots of the insurers offer discounts for having locks fitted to windows and doors and an alarm system, for example, or to customers who haven’t made a claim in a required number of years.

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