We provide up to £150,000 cover for contents, to repair or replace any lost or damaged items.
|Max contents sums insured||£150,000|
|Total valuables limit||Up to 40% of your contents limit|
|Unspecified item limit||10% of your Contents sum insured up to £10,000|
|Property owners liability cover||£5,000,000|
To calculate your valuables you should think about each room you have in the house and work out what items are in there, for example…
You can work out the value of your furniture, such as sofas, armchairs, bookcases (and books) and TV stands, plus any soft furnishings that includes carpet and curtains or blinds.
You’ll need to add electronic items such as a TV, DVD player, computer games consoles and hi-fi – plus, of course any computer games, CDs or DVDs. Don’t forget any pictures and ornaments, as well as lamps.
Furniture here includes dining table and chairs, and perhaps a sideboard or display cabinet. Add the cost of crockery and cutlery, and again include carpet and curtains/blinds.
This includes all non-permanent fixtures and fittings such as your oven and cooker, as well as fridge (don’t forget the frozen food inside),washing machine and dishwasher.
Add any non-fitted units as well as blinds, and the cost of your kitchenware – pots and pans and so on. Also don’t forget other appliances such as kettles, toasters and microwaves.
Include any IT equipment, such as computers, printers and so on, as well as any other electronic items like games consoles, TVs or iPods.
Add the value of bedroom furniture such as beds, wardrobes, chests of drawers, as well as soft furnishings and bed linen, and, of course, clothes.
Calculate the cost of bathroom cabinets, and toiletries if they are particularly valuable.
OUTSIDE THE HOME
Garden furniture needs to be covered too.
Also take into account gardening equipment such as lawn mowers or hedge trimmers, plus any pedal cycles you keep outside or in a garage, summer house or out house.
Your Home Insurance is there to protect you should the worst ever happen.
Whether it’s a burst pipe or a break-in, you want to know that everything precious to you will be looked after and protected.
We’ve designed our products to try and make sure that you’ll have all the cover you need as well as the service that you and your family expect and deserve.
We hope you’ll never need us, but we’re ready for when you do.