Home And Contents Insurance Uk

Home contents insurance covers personal possessions inside your home from a list of specified risks such as fire flood and theft.

Home and contents insurance uk. Contents insurance covers your personal belongings. The cost of home insurance is determined by a number of factors. Combined buildings and contents cover is only suitable for people who own the freehold of their homes.

Other contents insurance policies give you a total cover limit for all your valuables such as 15 000. With buildings insurance the price is calculated according to how much your house would cost to rebuild plus your postcode. Our defaqto 5 star rated contents insurance from just 56 that s all 10 of our customers paid 1.

And with add ons like home emergency or bike cover you can tailor your policy to suit you. Contents insurance covers the items in your home if they re damaged or stolen and some policies also cover your contents while you re away from home. Content includes things like tvs tablets sofas tables carpets and curtains etc.

If you need to insure your belongings and not the building you live in our contents cover could help. Learn more what is combined home insurance. And when you buy online you ll save 15 if you have contents worth over 80 000 or a buildings rebuild cost of over 500 000 see our high value home insurance.

Buildings insurance cover protects the structure the fixtures and fittings in your home while contents insurance covers your belongings. Although contents insurance isn t compulsory without it you run the risk of being left out of pocket should your home be burgled or damaged by fire or flooding. According to the association of british insurers the average household in the uk has home contents worth 35 000 which is why your home contents are easy to undervalue and important to insure.

High value items such as jewellery antiques etc are covered by normal contents insurance but they are very likely subject to a maximum limit such as 1 000 in total or a maximum of 250 per item. The association of british insurers estimates that the average home contains 35 000 worth of contents so it s important that you get the right level of cover. Some home contents insurance policies give you an individual cover limit per item such as 2 000.