home insurance.. building cover.. contents cover..

Cheap Home Contents Insurance

Why do you need home contents insurance?

Contents insurance is simply protecting what is yours in your home. Personal items can even be covered away from your home like jewellery and electrical equipment.

Just think of all the possessions you own. Make a list from room to room of all the furniture, clothes, electrical items, carpets, wardrobes, curtains, beds, bedding etc. I bet it becomes a very long list within ten minutes!

Even if you were burgled and your expensive jewellery, television sets, dvd, mp3 players and computers had been stolen. These items alone would cost a small fortune to replace and most people would not have the funds or savings to do this.

What if the whole lot were to go up in smoke becuase of a fire? How would you replace all this let alone your house without the relevant insurance?

Well the answer is, you wouldn't so why take an unnecessary risk?

What factors affect my home contents insurance premium?

There are many aspects that can affect your home insurance premium, some of which are:

• Correct Home Security in and around your property
• Your current "No Claims Bonus"
• How much you are covering
• The area in which you live
• Smoke Detectors, Fire Blankets & Extinguishers
• Neighbourhood Watch Schemes
• Extra items covered away from home

There are a number a things you can do to get cheaper home insurance and are quite simple. The first would be to make an appointment with the police. They will happily visit your house and carry out a security check. They will be able to give you advice on the relevant security required for your home and even advise you of local neighbourhood watch representatives and leaders.

Owning a dog is always a good way of keeping your house more secure as you will always be alerted when anyone enters your property.

Amount of insurance cover required for home contents

Buy yourself a notebook and as we mentioned above, list items per room with their respective value. Try to be as accurate as possible as leaving things out of the same nature throughout your house can add up to a serious overall loss.

Look at the smallprint or terms & conditions of the insurer as they may not insure items away from the home or items over a certain value. This would mean the added expense of either extra home insurance cover or if you ignored the smallprint then you could again be in for a serious loss.

An important factor to consider is to keep all your receipts for your more expensive items together in one place preferable out of harms way as you may need proof of purchase should you be unlucky and lose everything.

View the Home Insurance Guide