| Imagine what would be left
if the physical body of your house disappeared. What would be left is pretty much
what would be covered by contents insurance. Everything from consumables such
as food, drink and household goods to the more obvious things like electrical
goods, furniture and furnishings can be covered by contents insurance.
Most insurance policies will cover your possessions whilst they are in your
home for damage caused by:
Accidental damage
Fire and smoke
Lightning
Explosion
Theft
Malicious damage caused by intruders or vandals
Damage caused by flooding and storms
Damage caused by water and/or oil from pipes or tanks
Escape of oil from fixed heating installations
Subsidence or landslip
Impact damage by vehicles or animals
Damage caused by falling trees or branches
Every UK home / contents insurance policy is different but some will include
cover for damage to fixed ceramics and glassware and even contents whilst removed
on a temporary basis from your home. Check with your insurers or policy for precise
details about the contents insurance they offer.
Personal belongings and possessions which you use out of your home, for example,
photography or sports equipment or credit cards, can also be covered by extended
contents insurance.
Extended contents insurance policies
Every policy differs in its scope but below are examples of extended or additional
UK contents insurance that you can sometimes take out further to your regular
contents cover.
- Alternative accommodation - this will protect
you if your home becomes so badly damaged that you are unable to reside there
and will pay for the costs of substitute accommodation.
- Tenants - you can procure a type of insurance
that will protect you, the tenant, from your liability for damage to the building
or accommodation in which you are dwelling.
- Legal liability - this will protect you from
any legal costs that you, the occupier, might incur from damaging someone's property
or injuring someone.
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