Are Your Contents Insured?

Everyone knows that they should have home insurance, and for those that still have a mortgage to pay, they are required to have it. But do you really know what it is all about and what is protected? You may be surprised at just how many people never look at their policy only pay the premiums each month. And although they may be lucky enough to never have a problem with it, they will be sorry if they do. This is why our company prides ourselves on giving our customers easy access to this information both on their policy and on our website.

Contents insurance is something that is not always covered on your home insurance, and should not be confused for building insurance. What it covers are those things that you take with you when you when you move into your home like personal possessions and furniture. And typically a person will insure them for the cost to replace them new, not at their second hand value. This is a very important point that should be understood on any policy as there are those out there that do not calculate it this way.

But what exactly will your content insurance portion of your home insurance cover? Because we are known for our dedication and high standards of coverage, you will find that although we give you a great discounted rate we will not discount what we owe you if here is damage. For instance, if your home is damaged through fire, flood, storms, or any other such issues, and your contents get destroyed as a result, you will be 100% covered.

Furthermore, we even cover your personal possessions if your pipes burst, your computer gets accidently destroyed, even if your child throws a ball through your fixed glass coffee table. A home insurance policy must fit your needs and we pride ourselves on meeting those needs. Even if that need must be extended to finding alternate living quarters due to your home and furniture being destroyed, we will cover the costs of your temporary stay for up to 25% of the sum you are insured for.

Another great example of our contents insurance would be geared towards those people that work hard and spend their money wisely. How many of you out there stock up on freezer deals and store them in your freezer at home? And how many of you have a power outage that will cost you tons of money in lost frozen foods? Well you home insurance will cover your freezer contents loss up to 500 GBP. Can you live without contents insurance?

Don’t make the mistake that thousands of people do each year and over look their need for contents insurance. Make sure you know what your policy covers and whether or not it covers your personal possessions that you have worked hard to collect over the years. And although we cannot replace all your memories, we can help you make new ones. Get Legal & General home insurance today and sleep easy tonight.

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