Contents Insurance
A home insurance quote comprises cover for both buildings and contents.
As a rule of thumb, contents insurance covers everything you’d take with you when moving house.
A lot of tenants or students might only need contents insurance, with the landlord providing the buildings cover.
In general (though not always) homeowners can find a more competitive home insurance quote if buildings and contents cover are taken at the same time.
The best policies offer ‘new for old’ cover meaning if your old items are lost, damaged or stolen the insurer will replace them with brand new ones.
Points to bear in mind:-
- These days a lot of policies offer cover up to a specified amount; traditionally you add up the value of all your contents to arrive at the ‘maximum’ total value’ - either way don’t be under-insured
- Look out for the maximum limit for single items and do notify your insurer of the worth of any valuables
- Read all the terms and condition in the policy document - for instance, leaving a window or door unlocked could invalidate any claim
- Fitting locks, smoke detectors and joining a Neighbourhood Watch scheme can reduce premiums
- By not making a claim you may be able to save money building up a no claims discount; check if your insurer operates such a scheme
In the end, the best home insurance quote for contents cover is the one that provides you with the level of cover you need, and that may not be the cheapest.
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