Learn about Home Insurance

Contents Insurance

Our contents policy covers your possessions against loss, damage or theft, meeting the cost of repair or replacement up to the sum insured. You can choose the actual level of cover to best suit you, and a standard policy will protect against loss caused by:

• Fire and smoke damage, lightning strike, explosion or earthquake.
• Theft, attempted theft, vandalism or malicious acts.
• Subsidence, ground heave or landslip.
• Accidental damage to glass, mirrors, satellite and home entertainment equipment.
• Storm or flood damage.

What else will you be covered for:

• Contents when you move home. In transit and when stored for up to 3 days.
• Cover for student’s possessions. Up to £1,000 while at University or College.
• Replacement locks and keys. Up to £500.
• Office equipment. Up to £3,000.
• Freezer contents. Up to £500.
• Guests’ property. Where not insured elsewhere, up to £500.
• Money. Up to £350.
• Stolen credit cards. Up to £500.
• Contents in the open. Within your property’s boundaries, up to £1,000.
• Contents stolen from outbuildings. Up to £2,000.
• Wedding or Christmas gifts. 10% increase in contents sum insured

As you can imagine, we can’t list everything that’s covered under contents insurance so here are the main points. Full information on what’s covered and all the exclusions are in the policy document.

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