A Home Contents policy should cover damage caused by fire, flooding, storms and theft. You may have to pay extra to cover accidental loss or damage to your possessions which may be worth considering such as if you have any sentimental or expensive items. However, check what's included in any policy you're looking at.
Common items included in contents cover are:
- Furniture: Beds, sofas, wardrobes, drawers, chairs and tables
- Electrical goods: TVs, laptops, games consoles, DVD or Blu-Ray players and tablets
- Kitchen items: Microwaves, kettles, toaster, cutlery, plates, pots and pans
- Entertainment: DVDs, CDs, books, video games and vinyl
You may have to pay extra to cover possessions that you take out of the home or to cover a particularly valuable item such as a camera, watch or some jewellery. Your policy may also not cover the contents of a freezer or a mobile phone and there may be an upper limit for a single item.