About Home Contents Insurance

Introduction

Home contents insurance is a type of policy that covers your household property or contents against accidental damage and theft. Your household contents can be anything from your personal jewellery to your couch and electronic gadgets. Anything can happen to your property, for example your TV set can accidentally fall and your home contents insurance will cover such losses. There are many risks that a home contents insurance can cover as discussed below.

History

If your security system in your home is not very strong, burglars can break in and steal your property. Burglars are not usually interested in big items. they want those small valuable items like your laptop, iPhone, cash and jewellery. These items can be very expensive to replace, that is why it is important to have home contents insurance. Your insurance company will replace all the stolen items as long as you can prove to them that there was forcible and violent entry to your premises. Some burglars can also take slightly bigger items like TV sets, these are also covered under a home contents insurance policy.

Features

It is therefore important to make sure that your premises are well protected. You can consider having security features like an electric fence and an alarm system. CCTV cameras are also a good security measure that you can consider having on your premises. Some areas are manned by security guards at night, this will protect your home contents from being stolen. Besides theft, your home contents insurance will also replace your goods if they are accidentally damaged. You can accidentally drop your phone in the water and claim from your insurance company. Such risks are covered as long as they were not due to negligence. Negligence is not covered under a home contents insurance policy. report a claim to your insurance company as soon as it happens, if its theft make sure its reported to the police within the shortest period of time.

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