Insurance overview
Our Contents Insurance provides high levels of cover for your home contents.
Under our home insurance, this includes contents in your home and garden, theft from outbuildings and the replacement of your contents new for old, if they’re damaged beyond repair.
What's covered by a Contents Insurance policy?
Imagine if you turned your house upside down - everything that fell out would be considered contents, curtains and carpets would also be included.
You need contents insurance to make sure that items including furniture, soft furnishings, jewellery and electrical devices are covered.
What's covered:
- Alternative accommodation for you, your family, and domestic pets, if your home can't be lived in as a result of insured damage.
- Replacement of the locks for outside doors or safes and the cost to replace the keys to your alarm system, if your keys are lost or stolen.
- Home entertainment equipment covered for accidental damage.
- Contents kept in your garden.
- Theft from outbuildings.
- Replacement of your contents new for old, if they're damaged beyond repair.
What's not covered:
- Any excess, which is the amount you’ll need to pay towards a claim. Your policy documents will outline where these apply.
- Damage or loss caused by lack of general maintenance, wear and tear, and loss of value over time.
- Any costs of replacing, repairing or restoring your contents above the amount you’ve insured them for.
- Accidental damage (except home entertainment equipment). Accidental damage can be covered for an additional premium.
The features and exclusions listed are not exhaustive. Your cover will depend on your circumstances. Limits and exclusions apply.
Please note that we no longer reduce the amount we pay (reduce your claim benefit) to reflect wear & tear on clothing, within our Home Insurance (contents) policies.
