Home is where the heart is…and your belongings too

Imagine you could turn your house upside down and give it a good shake, how much would all of the stuff cost that falls out? Now what if something happened to all of that stuff, do you have enough insurance to cover the cost of replacing those things?

Home contents insurance isn’t one of those things we think too much about until we actually need it.

And as most crystal balls aren’t functional, we plan for the eventuality of what may happen by insuring for the unexpected.

So let’s get back to the question at hand? Are you properly insured for the contents in your house?

To find the answer let’s break it down room by room. What would it cost to replace everything in say…your sitting room?

You’ve got your leather sofa and chair, the rug that they rest on, the antique cabinet that belonged to your mum, original paintings from that trip to Spain when you were dating…and well we’re just getting started.

As you go from room to room you’ll quickly appreciate the importance of contents insurance regardless of whether you rent or own your home.


But how do I know what I’m covered for?

MORE TH>N’s standard contents insurance covers you for up to £100,000 in the event of a fire, theft, flood, or damage caused by leaks or structural movement and other specific events.

For any damage caused inside your house by pets or people, you’ll need to add our accidental damage cover.

Your overall cover and the limits (the maximum you can claim up to), will depend upon what levels you choose and the objects you specify.

In the event of a claim, an excess (the amount you’ll need to pay if you make a claim) will apply.

Insurance for all those oops moments

Mishaps that happen to the contents in your home are referred to as accidental damage.

For example, if your friend knocks a glass of red wine onto your carpet, or your son kicks a ball into the TV.

These little accidents happen and can be costly to put right so adding accidental damage can help keep your replacement and repair costs down to the amount of your total excess.

What do we mean by valuables?

Valuable items are things that are likely to be stolen in the event of a burglary and are more difficult to replace.

Items such as the watch you inherited from your grandfather should be regularly valued and you should specify valuables on your policy worth more than £1,000 like your engagement ring, regardless of whether said valuables are kept in the home or taken outside.

It’s important to note that valuables kept in your home that do not leave are referred to as high risk items.

Are these different from personal possessions?

Yes. Personal possessions cover is usually an optional extra and is for items you carry with you when you leave the house such as a designer handbag, watches, your laptop or your all-important golf clubs.

The similarity to valuables cover is that you’ll need to list specific items if they’re worth more than £1000.

What about my garden?

It depends on the cover you select, but contents you leave in your garden such as your patio furniture, BBQ’s or the plants in your garden are not likely to be covered unless you’ve upgraded your cover to include them.

However things like bikes kept in your shed or garage would be covered under your contents cover.

Speaking of bikes, can I add bike cover to my contents insurance?

We offer pedal cycle cover as an additional purchase so you can make sure your bikes are covered away from home as well as inside.

You will need to confirm the maximum limit of your most expensive bike when purchasing this cover.

The future is not ours to see

There are contents calculators available online, but it’s just as easy to make a list of the things in each room and think about how much they would cost to replace if something went wrong.

The things inside your house are just part of what make your house your home and their value is not easy to quantify due to many factors including sentimentality.

However the costs of replacing possessions quickly adds up but if you take a little time and ask questions as they arise, you’ll be in the best position should the unexpected occurs.



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