Home insurance - contents cover
Our contents insurance covers:
- Household goods including non-permanent fixtures and fittings such as carpets
- High risk items such as TVs, videos, DVDs, computers and jewellery.
- Personal belongings
- Up to £3,000 of office equipment and furniture for a business run from the home
Cover is up to the amount you choose to cover your contents which can range from £15,000 to £99,000.
Your contents will be covered if any of the following events occur:
- Fire, smoke, lightning, explosion, thunderbolt or earthquake, storm or flood.
- Escape of water or oil from any fixed water or heating installation or domestic appliance.
- Riot, civil commotion, strikes, labour or political disturbances
- Theft, attempted theft, vandalism or malicious acts (limited to £2,000 cover for theft from outbuildings)
- Subsidence, ground heave or landslip of the site in which your property sits
- Damage caused by falling trees, aerials or satellite receiving equipment
We also offer some extra cover as standard:
- Freezer Contents up to a maximum of £500
- Cash up to £350 and use of Credit Cards up to £500 where stolen from the home
- Guests’ property up to £500
- Cover for Personal Documents and Title Deeds up to £250 per incident
- Legal responsibility as a tenant up to 15% of the sum insured
- Public Liability cover up to £2,000,000
- Increase in contents cover by 10% during the Christmas period and before and after Weddings
- Loss of oil or metered water up to 10% of the contents sum insured
- £1000 of cover for contents in the open
- Limited cover up to 20% of the sum insured for contents away from the property
- Replacement locks and keys cover of £500
- Accidental breakage to home entertainment equipment and mirrors and glass
We offer personal possessions cover which is designed to cover clothing and personal articles that you would carry on or around your person, both in and away from the home, for example camcorders, sports equipment or luggage on holiday.
If you need it, you can pay an additional premium to add your bicycle to the standard policy.
We also provide building cover.