Contents Insurance

  • It is important, when arranging home insurance, that you take care of both buildings insurance (if you own the property) and contents insurance. It is important that you get the right level of cover for your needs, so you can have peace of mind and know you are covered should something bad happen.

Compare Contents Insurance With Money Pug

  • Money Pug can help you compare all your options for contents insurance. We also aim to help demystify the process of establishing which, and how much contents insurance cover you require.

What is Contents Insurance?

Contents insurance covers the contents of your home – everything that would fall out of your home if you could pick it up and shake it. Items covered under contents insurance include furniture, electrical equipment and personal belongings. Personal belongings can include everything from clothes and jewellery, to cameras and laptops. Make sure you do not double up on cover and exclude anything like mobile phones that may already be insured through a separate policy.

Do I Need Contents Insurance?

Unlike car insurance, contents insurance is not a legal requirement, so there is no imperative to get contents insurance. That said, making sure your home contents is covered can be a very good idea, whether you rent or own your own home. It is highly recommended for most tenants and home owners and could help you rest easier knowing your items and personal belongings are covered should you incur losses. None of us like to think about disaster – but could you afford to replace everything inside your home if the worst happened? Many people believe that you can’t afford not to have contents insurance. You may not think that you have a lot of things, but when you start adding it all up, you may find that you have more than you think.

How Do I Work Out How Much Contents Insurance Cover to Get?

In order to work out how much contents insurance cover you will need, you will need to go through your home room by room and work out how much all your furniture, items and personal belongings are worth. Don’t forget things like clothing and jewellery, mobile phones, tablets, laptops, gifts and soft furnishings. Some insurers will insist that items over a certain value, typically £1,500, are insured separately.

Will I Have to Pay if I Make a Claim on a Contents Insurance Policy?

Yes. Just as on other insurance policies, your contents insurance policy will have an excess that you will have to pay in the case of a claim. It is important, as always, to read to small print carefully to make sure you understand what the excess will be, as well as understanding all the other details of exactly what is, and is not, covered by the policy.

Contents Insurance FAQs

What is Buildings Insurance?
  • Buildings insurance covers damage to the main structure of your home and its fixtures and fittings, but not the contents within it. Imagine that you could pick up your house and shake it. Everything that fell out would be covered by contents insurance, everything that remained would be included under buildings insurance cover. Some buildings insurance will also cover structures outwith the ain building envelope, such as sheds and garages, but it is important to check, as not all buildings insurance will cover garden buildings or outbuildings
What is Contents Insurance?

Contents insurance covers the contents of your home – everything that would fall out of your home if you could pick it up and shake it. Items covered under contents insurance include furniture, electrical equipment and personal belongings. Personal belongings can include everything from clothes and jewellery, to cameras and laptops. Make sure you do not double up on cover and exclude anything like mobile phones that may already be insured through a separate policy.

Do I Need Buildings Insurance?

You will not need to take out buildings insurance if you are a tenant – this will usually be taken care of my your landlord or housing association. You should also not need to get buildings insurance if your house is leasehold as it is the landlord’s responsibility to insure the property in this instance.

If, however, you own your home, you should get buildings insurance. If you take out a mortgage to buy a home, building insurance will usually be a condition of your contract and you will have to make sure that you put buildings insurance in place. Some mortgage providers offer buildings insurance as part of their service but this tends to be more expensive, so it a good idea to compare deals on Money Pug to find the best options for you.

Do I Need Contents Insurance?

Unlike car insurance, contents insurance is not a legal requirement, so there is no imperative to get contents insurance. That said, making sure your home contents is covered can be a very good idea, whether you rent or own your own home. It is highly recommended for most tenants and home owners and could help you rest easier knowing your items and personal belongings are covered should you incur losses. None of us like to think about disaster – but could you afford to replace everything inside your home if the worst happened? Many people believe that you can’t afford not to have contents insurance. You may not think that you have a lot of things, but when you start adding it all up, you may find that you have more than you think.

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