Home content insurance

Extracted from a website:

A home contents insurance policy should cover everything you would take with you if you moved home.

This would typically include all your furniture, household goods, food and drink, televisions, videos, computers, stereo equipment, clothing and valuables, usually up to a stated limit.

Often insurers will put an uppermost limit on the amount that they will pay out for certain items or groups of items. Whilst this is typically less than the total sum insured, be aware of any maximum sums payable for these individual items.

Boats, caravans and motors are normally insured separately.

Claims are usually made after a burglary or a fire but a policy should also pay if your possessions are damaged or lost as a result of an explosion, water leaks or if your home is vandalised. Always check to make sure these events are covered.

Many policies will also cover your legal liability in the home. You should check whether you are covered if you accidentally injure another person or damage their property. Most policies pay damages for which you are legally liable up to a certain limit.