House Contents Insurance
Building contents insurance is vital cover for all your possession you own that are at the property or on you as you travel around and comprehensive house contents insurance is critical cover and may be free as part of your overall buildings insurance policy with some insurers. We've teamed up with John Lewis Insurance to offer some really great deals on home insurance.
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Where as buildings insurance covers your home against the rebuilding costs if it's damaged or destroyed by a burglary or flooding for example house contents insurance covers you against your possessions within the home.
Many people don't believe they need to cover their contents but theft from burglary is still a high crime according to home office statistics:
- The British Crime Survey reported 729,000 burglaries in 2007/ 2008
- The Police recorded 280,704 domestic burglaries in 2007/ 2008
- BCS say that 64% of all burglaries are reported to the police and a loss type crime was reported 76% of the time
- During recessionary periods domestic burglaries increase dramatically
If you are a student living in shared accommodation check out our student contents pages which offer discounted insurance for temporary housing.
It's quick and easy to get an online quote from trained insurance specialists to get an insurance policy that's right for you and your possessions and there is plenty of competition in the market place to get some of the cheapest cover available.
Free Contents Insurance
Many insurers now offer free house contents insurance when you take out combined buildings insurance with them. There are things you should consider before you opt for these types of policies which look great on the outside. Pay particular attention to:
- The amount of cover offered. Sometime the value can be limited to say £50,000 which sounds a lot but once you have added up all of your furniture, electrical products, kitchen appliances and valuables it may be much more than this
- It's likely you'll need to be claim free for 3 years on both buildings and content which for most people is fine - but if you have had a contents claim you will be charged more
Typical Cover
With each policy you need to ensure that all your contents are fully covered against accidental damage, malicious damage by other members of your household, and for theft whilst you are away from your property either during the day or on holiday. Most polices cover you for "new for old" but check with your insurer first.
When you are comparing quotes online check that the policy contains the following items if you require these for your home:
- Accidental damage - where many claims arise
- Whether you need to be in a neighbourhood watch scheme
- How easy it is to claim/ whether the insurance company has a UK call centre
- If you get new for old replacement (check exclusions for clothing)
- If you home office equipment such as computers and printers are covered
- If you get a no claims discount (many offer these as with car insurance) and some allow you to keep your NCD if you make one claim in a year
- How much the excess is on each claim - some are £100 whilst it can be as high as £500
- Whether you can pay monthly
- If freezer contents are covered
- What type of security you have in terms of window locks and outside door locks.
whatever you need it's possible to get excellent cheap house contents insurance in the UK from many of the major insurers - do your research carefully and you can get it for free.
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