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What does Home Contents Insurance cover?
Home contents insurance in the UK is designed to cover almost everything
that you own, and would take with you if you were to move. So, this
could include furniture, along with furnishings, kitchen equipment,
other household goods, televisions, computer and audio equipments,
video, clothing, personal items, even frozen food and drinks. Finally,
they can insure valuable up to stated limits.
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Most contents policies will cover loss or damage to your possessions
whilst they are in your home. The loss and damage could be caused
by risks such as theft, fire and flooding. Other risks could be
the escape of water from tanks and pipes, leaking oil from heating
systems, storms, subsidence, heave or landslip as well as occurrences
that are more rare. These rare occurrences could be falling trees
or aerials, explosions, earthquakes, even an impact by an aircraft.
Not only that, many policies provide liability insurance. So, should
someone visited your home and were to trip over something you own
and injure themselves, they could make a claim against you. These
claims can be for a considerable amount.
You should also look at accidental damage caused by yourself. Does
it cover accidental damage to mirrors and glass tops? Does it cover
accidental damage to your audio and visual equipment, such as videos,
TVs and computers? One of the natures of insurance
is that you can often extend a policy in order to cover accidental
damage to any item you have. Bear in mind though, that this will
likely only apply in the home, and should you remove items from
your home, your cover could be limited or even non-existent.
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Expensive items like works of art, jewellery or antiques might
need to be separately insured. The reason for this is that there
can be a limit applied to the amount that a content policy will
pay out for a single item. The policy should allow you to name them
and then you should find you will have to pay a higher premium for
their inclusion.
For some items, such as musical instruments, you could get better
cover from a specialist insurer, who may not only insure the item
for a cheaper amount, but also you may find their cover more appropriate.
An example of this would be for a guitar, which you will find can
only be insured in your home with a general insurer. With a specialist
insurer, they understand that the guitar could be in a car or even
in a concert venue, and insure you appropriately.
Your insurance policy could cover a specified replacement value
of everything in your home, calculated by you, or an amount of cover
based on the number of bedrooms in your home.
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