What is Contents Insurance with a Free Gift

Contents insurance cover the contents in your home think TV's and other electronic gadgets. It will also provide cover for valuables in particular expensive jewellery that you may have in of yoiu bedroom dressing table.

How Does Contents insurance NI Work

Unfortunate things do happen, theft is fairy common ins some parts of Belfast. Worst still is the consequences of fire or flooding, both these can wreak havoc on your household items. This is what contents insurance is for, to provide you with financial the ability to replace these lost or damaged goods.

Contents insurance is different to buildings insurance, which covers the building structure. Contents insurance is cover for your personal belongings, if you like anything that is not attached to the house.   

A good contens insurance NI policy will provide cover for the following events. If you live in an area probe to flooding you may have to pay a higher premium and in some case it can be difficult to get cover in if you live a region with regular flooding, Thankfully this is not so much an issue in Northern Ireland. 

Is it worth getting contents insurance?

If you weigh up the costs of contents insurance against what you could actually lose for most, taking out contents insurance is just common sense. This is also ideal for those that are renting out a property and wish to have the peace of mind that their valuables are protected if lost or damaged  

Buildings or home insurance NI maybe a requirement of any loan that you have taken out to buy the house. The lender makes it a condition of the loan that you take out buildings insurance. The lender will not force you to take out contents insurance and is something that you must decide on.

Take note, limits will apply, especially in the jewellery category. So if you have a super expensive wedding ring, you may need to list that as a separate item. The best advice is to calculate the value of your personal items and share with your insurance provider, and they can if adjust any upper limit of necessary 

What is covered by contents insurance?

Most contents insurance polices will include these as standard

What is not covered by contents insurance?

This can be tricky as each policy will be different, but things like bicycles, trailers and caravans may not be covered or only partially covered. In the case of a caravan it is bet to take out actual caravan insurance as a separate policy, same with your bikes i they are expensive items.  

Types of contents insurance?

Contents insurance is available in 3 different forms as detailed below.