Contents Insurance covers you for damage to all of the contents inside of your property, usually all of the removable objects that you would take with you if you were to move house.  Insurance companies will cover your buildings and contents for damage caused by the following risks:

•  Fire, explosion, lightning or earthquake

•  Subsidence, heave or landslip

•  Storm and flood

•  Theft or attempted theft

•  Escape of water from tanks or pipes

•  Falling trees or branches

•  Breakage or collapse of television, radio signal or satellite apparatus

•  Riot, civil commotion, strikes, labour or political disturbances

•  Impact by aircraft, other aerial devices, any vehicle or animal

•  Escape of oil from heating systems

Most Insurance Companies offer Buildings and Contents Insurance together, but you can choose to have these policies with separate companies if you wish.  Some insurers offer a discount for taking both buildings and contents cover with them, so it makes sense to check this out.  You should also carefully check the cover you are being offered.  If this is limited to an exact amount of cover you may want to consider looking at high blanket cover or unlimited cover for your Buildings insurance as you will never have to worry about being under insured.

Similarly with contents cover it is important to make sure that you have sufficient cover to make sure that any claim you make is paid in full. This should at a minimum be the replacement value of all your home contents.  Many insurance providers offer cover up to a pre-agreed limit with the premium actually being calculated on an assumed value of contents.  This means you can get up to £50,000 or even £100,000 of cover without paying over the odds for it.  By offering such a large sum of cover, you don’t need to sit down and work out exactly how much cover you need from your insurance company, which once again could well reduce the risks of being underinsured.

•  Fixed glass (such as windows and patio doors)



•  Cables, underground pipes, drains and inspection covers



•  Bathroom fixtures and fittings

as well as cover for your outbuildings and the costs for temporary accommodation should your home become uninhabitable from any of the above risks.  But do check that the insurance you get quoted for has these important covers, and you are not getting a low premium for low cover.  Not all Home Insurance policies are the same.

•  Audio and visual equipment

•  DVD and video players or Recorders

•  Televisions

•  Glass shelves and fixed glass in furniture

•  Personal computers

Many but not all policies cover your contents “New for Old”, which means that  even if you damage your five year old television you will get a brand new one, without taking into account depreciation in the value of your old television.  Be careful, as this may not apply to clothing and linen and in the event of a claim for these items the relevant reductions for wear and tear may be made.

In addition, you can also get: cover for your freezer contents up to a certain amount,  loss of oil or metered water leaking from your central heating system, and temporary accommodation costs if your home cannot be lived in whilst repair works are being carried out all included.

You may also be covered for liabilities free of charge under your Buildings and Contents Insurance.  Liabilities will cover any expenses you are legally liable for if you or your immediate family are involved in an accident which results in bodily injury or damage to property.  For instance if your neighbour tripped up on a raised paving stone on your property and tried to claim compensation from you.  Or if you slipped up on a wet floor in a supermarket where no warning sign was displayed and injured yourself, then you could use your liabilities to claim back the costs of medical care for example.

•  Let insurance companies know how many years no claims discount you have achieved

•  Include a voluntary excess on your policy, as long as you can afford to pay it in the event of a claim

•  Increase the security on your property as most companies offer you a discount for good security, i.e. Multi point locking systems on your doors, locks on your windows, and an intruder alarm

•  Become a member of your local neighborhood watch scheme

Insure4Retirement have issued this guide for information only on what could be available on a home insurance product.  No advice is being offered as to the suitability of any policy to your own personal circumstances.

•  Up to 30% off for a good claims record

•  Up to 30% off if you opt for a voluntary excess

•  Up to 30% off  with our age related discounts

•  Up to 15% off for good Home security

•  Up to 15% off for combining Buildings and Contents cover together

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