1.WHAT CONTENTS COVER DO I NEED?
If you’re renting a furnished flat, it’s up to the landlord to cover the insurance on his or her own possessions. Result! However, it’s not their responsibility to cover all your personal belongings – you’ll need a separate contents insurance policy for that.
- Generally, a contents policy covers:
- Appliances, gadgets and electronics – TVs, laptops, kitchen equipment etc.
- Clothes, shoes, accessories and jewellery
- Books, CDs, DVDs, digital media
- Your own furniture and soft furnishings – rugs, curtains, towels, bedding etc.
- Crockery and cutlery
- Any outdoor equipment – bikes, lawnmowers etc.
- Ornaments and heirlooms
- As well as physical possessions, contents insurance usually covers:
- Replacement keys and locks, plus locksmith’s fees
- Loss of food if your freezer breaks down
- Contents of sheds and outbuildings (although this cover varies from policy to policy)
Also, most insurers offer optional accidental damage insurance – for those red wine or curry spillages on the carpet, or when you drop your iPhone down the loo!
Like car and home insurance, the amount you pay for contents insurance will depend on where you live.
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