Home contents cover ensures that the contents of your home are covered against damage or loss by theft, fire, lightning, earthquake, and flood damage or water leakage. ‘Contents’ are defined as things you would take if you moved to a new house, for instance: furniture, electrical items and jewellery.
When finding home contents cover policy, you will need to make sure you are adequately insured for the value of your contents. It is important to get this figure right and at Trident Insurance we will make sure you are not underinsured so you can have peace of mind if the worst were to happen and you were left with substantial damage or loss of your contents.
Some insurers insure you for a value based on how many rooms there are in your home, this can make your premium higher but it means you don’t have to estimate the value of all of your possessions, that’s not to say that you can’t still be left underinsured.
You will need to make sure that the value of your home contents insurance is kept up to date if happen to purchase a particularly valuable item. Some policies are more flexible than others and will, therefore, offer you a higher level of cover around Christmas to compensate for the expensive gifts you may have in your home. Not all home contents policies have this included though so you may have to ask your insurer if this level of cover is included in your home contents insurance.
Most insurers will also allow you to extend your cover at a premium to cover things such as accidental damage cover if you knock over a valuable vase whilst cleaning for instance. Also covered by most insurers as an extra are home emergency cover and cover for accidental loss or damage of your possessions when not at home, your mobile phone or watch for example. Taking out home emergency cover will ensure you are covered for any assistance you may need due to a domestic emergency.
Deciding what kind of home contents cover and to what value you need can be complicated. We, at Trident Business Insurance, will make it easier for you and find you the best quote so you don’t need to worry.