Make sure the things in your home are covered with contents insurance
From furniture to carpets and precious paintings to PCs, we all know how important contents insurance is for our peace of mind. After all, things get broken. Glasses of wine are spilt onto sofas and rugs. And some of us might be unlucky enough to experience a break-in, fire or flooding. Whatever happens, the cost of replacing and repairing any damaged or stolen items could make life very difficult and leave you out of pocket – if you didn’t have enough, or the right cover, in place.
But apart from the everyday stuff, have you thought about the more valuable things that you own? Do they come under your standard insurance? Items such as artwork, jewellery, designer shoes, clothes, watches, one-of-a-kind antiques, ornaments – even coin collections, are often stolen first. Or are more susceptible to damage. So it's important to check whether your contents insurance policy covers high-risk items such as these, and what the limits are.
If you’re not already covered, when you get a contents insurance quote, check if you can add an extra option – usually for an extra cost – to make sure that everything that’s extra precious to you is adequately protected. The way it normally works is that you choose the amount you want to insure your most expensive single items for. And to get this right, it’s important to get them valued first.
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Most policies will fix or replace any item as new, if it’s available to buy. But check the conditions on your contents insurance schedule first, to see what is and isn’t included. Bear in mind too, that if you do make a claim on an irreplaceable item, the insurance company will probably base what they pay out on what an expert judges its value to be – just before the theft, loss or damage happened.
Don’t let an accident ruin your day or evening’s viewing
It’s hard to imagine life without a TV in it. And if entertainment is especially important to you – or you’re a big fan of the latest gadgets, gizmos and technology, don’t run the risk of an accident leaving you unable to watch your favourite films and downloads.
Laptop keyboard circuits being fried by spilt coffee. Objects scratching the monitor screen. A flatscreen TV crashing onto the floor after an attempt to fasten it to the wall goes wrong. These are just some of the things that can shorten, or destroy, the life of your electronic equipment. And with TVs, PCs, video cameras, Blu-ray players, home cinema and surround sound systems being so costly to replace, it makes sense to check that you have adequate accidental damage cover under your home and contents insurance, especially if it's not included as standard.