What does Swinton contents insurance cover?
Think of contents insurance as cover for everything inside your home.
It can protect your furniture, electronics, jewellery, appliances and more from damage caused by storms, fire, flooding, theft, etc.
You'll need to tally the total value of your contents before looking for insurance. That's because insurers tend to set out total and single-item cover amounts. In an ideal world, the value of your contents will fall below your cover amounts.
Overestimate the value of your contents, and you might be unnecessarily paying more for your policy. Underestimate, and you could be leaving yourself short of cover. If you need a hand estimating the value of your contents, try using our contents calculator!
Like buildings insurance, Swinton offers 3 tiers of contents insurance to choose from - and the level of cover depends on the policy chosen.
For example, protection for items in outbuildings, office equipment and gardens is only standard with the Classic and Premier policies. Similarly, things like student cover and legal protection up to £100,000 are only included as standard with a Premier policy.
Swinton house insurance optional extras
When you buy home insurance through Swinton, you'll have your pick of optional extras. These can enhance your cover but come at an additional cost.
These optional extras include:
Legal protection: If you ever need to claim or discuss matters with a legal expert, this cover could be for you. Whether it's a personal injury claim, or a contractual, property or employment dispute, you'll have protection against legal costs. If you buy a Premier home insurance policy through Swinon, you'll have this included as standard!
Accidental damage: Did you crack a kitchen tile by dropping the kettle? Swinton accidental damage can cover you against unexpected, one-off unintentional accidents caused by sudden physical damage.
Home emergency: Unfortunately, it's not uncommon for your boiler to pack in or for your central heating to suddenly fail. Some issues need an immediate fix, home emergency cover can protect you against the cost of labour, emergency call-out and parts.
Personal possessions: While you're at home, contents insurance can protect your belongings. But if you take your contents on the go away from home, it's unlikely you'll be covered from theft, loss or damage. Personal possessions insurance bridges this gap by insuring your belongings away from home.
What Swinton insurance customers say:
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