Home contents cover can vary between providers, so look for policies that cater for your personal circumstances to get the right deal for you. Typically, you'll find the following types of contents insurance on offer:
Homeowner Cover
Protecting your home and its contents is crucial, especially when times are hard. Can you afford to replace your possessions out of your own pocket should the worst happen? Probably not, which is why more and more insurance providers are offering great deals on contents insurance to suit all pockets. Look for policies that cover you for accidental damage, family legal protection and home emergency cover. You could consider increasing the voluntary excess to further reduce your premiums - but make sure you'd be happy paying this amount if you needed to claim.
Student Cover
If you’re just starting uni life, you might be unaware that you need contents cover for your possessions while you’re away from home. Don’t assume you’re covered under mum and dad’s home insurance as this might not be the case. The last thing you want is to be the victim of loss, damage or theft - only to find you can’t replace the item because your insurance didn’t sufficiently cover you and your student loan is stretched to the limit.
Take a look at the tailored student content insurance on offer and think about the things that you couldn’t live without. You may want to buy cover as a stand alone policy, but it could work out cheaper to add protection for your things onto your parent's home policy.
Chances are you’ve got expensive books and equipment, a laptop, mobile phone, maybe even pricey musical instruments and a bike that you wouldn’t like to lose. Consider your new living environment – is it secure? Are there people you don’t know wandering around your living space? Protect yourself and your possessions by getting the right amount of contents cover.
Tenant Cover
If you rent your home, you need adequate contents insurance to protect your personal possessions. While you won’t normally need buildings insurance (this should be taken care of by your landlord) you will probably want to make sure your worldly goods are insured in case of fire, theft or malicious damage. By using an online comparison tool to compare cover from leading insurance specialists – the best deals could be just a few clicks away.
Landlord Cover
Landlords – do you know what your responsibilities are regarding home insurance? Make sure your investment (and reputation) are fully covered with specialist landlords insurance. Look for policies that offer loss of rent guarantee, property owner’s liability, accidental damage, new for old contents cover and low excess.
Read our home insurance articles and guides for more great topics or get a home insurance quote.