It’s important to get the right amount of cover for your belongings. Should your home be burgled or damaged by fire or flooding, you could have to fork out to cover the costs if you're not properly insured.
The average UK home is filled with thousands of pounds worth of possessions, so it's important that you get the right level of cover. Remember to take every room in your home into consideration.
Calculating the correct value of your home’s contents can seem like a hassle, but getting as close as you can to their true worth is hugely important. Households that don’t know how much to insure their belongings for risk being underinsured.
Top tips: Take your time, make an inventory of what’s in every room, and you may be surprised at how much it all adds up to. Also, don’t forget to check what’s kept out of sight too, such as items in your attic, basement and garden shed.
When comparing home contents policies, you'll be given the option to cover your possessions away from home. This means you could be covered against loss and theft for the things you carry with you everyday, including jewellery, watches, handbags, laptops and mobile phones.
Accidental damage cover may also be worth considering. This could cover you for one-off accidents such as spilling something on your sofa, smashing a television or dropping an antique vase.
Home emergency cover
Home emergency cover could protect you against a number of unexpected incidents, such as burst pipes or your boiler breaking down.
Legal cover or family protection cover is designed to cover costs and expenses in the event of legal disputes. Some insurers may include this as standard but it's always worth checking.
It's important to work out if you need additional cover - but be careful not to waste money by doubling up on insurance.