There are generally two types of insurance commonly utilized by the public: Building Insurance, covering permanent fixtures and fittings like kitchens and bathrooms, and Contents Insurance, protecting items such as furnishings, TVs, and personal belongings inside your home. Consider building insurance as coverage for the exterior of your home and contents insurance for the interior.

You can often acquire both types of insurance from the same company, or opt for separate policies for potentially better deals.

Coverage extends beyond your home

Personal possessions cover is a lesser-known feature that provides coverage for damaged or lost items outside your home. Laptops, jewellery, cameras, watches, and mobile phones are often included in this coverage.

Some policies even offer coverage abroad, though at an additional cost, ensuring that items damaged or lost during your travels may be claimed through your insurance.

Assistance with repairs

Many insurance providers offer additional extras, including emergency cover for callouts or necessary parts a plumber might need to fix a broken item in your home.

These extras prove invaluable, especially during the winter months when unexpected breakdowns, such as a malfunctioning boiler, can occur.

Comprehensive coverage

Contents insurance covers a wide array of personal items damaged or lost due to theft, vandalism, flooding, or environmental damage.

Not only do larger items like beds, wardrobes, and sofas receive coverage, but also electronics such as TVs, computers, laptops, as well as everyday essentials like microwaves and kitchenware.

Specific items with higher value can also be insured by consulting your policy supplier.

Peace of mind is invaluable

While it may be challenging to assign a specific value to peace of mind, contents insurance serves as a safety net against unforeseen events.

Many view it as a necessary precaution, providing protection when going on vacation, leaving town for work, or feeling uncertain about their local area.

Although not a legal requirement, the assurance and protection it offers can be indispensable, preventing the need to start anew after an unfortunate incident.

If you’d like to discuss your home insurance, our team are always happy to help and answer any questions you might have. Just drop us a call on 01322 553282 or contact us online.