Contents Insurance
Look around your home. How much would it cost to replace your things if you
were burgled and rooms were vandalised, or there was a fire or a flood? Could you afford to replace everything?
Contents insurance covers almost everything you would take with you if you were to move such as furniture, electrical goods, clothing, personal effects and valuables. Policies will normally limit the maximum amount your insurer will pay out on any one claim or against any one item. So anything beyond the maximum amount your insurer says it will pay won't be covered.
Most policies will cover loss or damage while in your home by:
• Theft or attempted theft
• Fire, explosion, lightning, or earthquake
• Escape of water from tanks or pipes
• Storm and flood.
Your cover may be affected or cancelled if you leave your home empty for a long period of time.
