It is important you find the right policy for insuring the contents of your home. Contents insurance covers your possessions such as furniture, furnishings and personal belongings. While a lot of online insurers offer high levels of cover for general contents many do not include cover for high risk or valuable items such as jewellery or audio/electrical equipment, items taken away from the home or items such as computers that are used for business purposes within the home.
When you speak to Herald insurance we will find out exactly what you need to have insured and make sure we find the most suitable policy for you, and because we only deal with market leading insurers we will be able to find you a comprehensive policy at a competitive price.
Many of our insurers offer blanket policies with minimum sums insured to ensure you are adequately insured and some insurers will even include all risks on a worldwide basis as standard, meaning your possessions are automatically insured, so you get the benefits similar to a high net worth insurance policy.
Key cover for contents insurance includes:
- Cover for valuables up to 40% of the sum insured
- Accidental damage cover for audio, audio visual and computer equipment
- Cover for contents whilst outside your home
- Personal money and credit card cover
- All risk cover
- Business equipment cover if you work from home
- Contents in storage
- Cover for fine art and valuables
- Freezer contents cover
- New for old cover
- Emergency assistance
- Contents in outbuildings
- Cover for children studying away from home
- Sports equipment cover
We can also offer insurance cover for non-standard risks such as if your home is unoccupied, you are having building work carried out, or you have a high value item of jewellery but you do not fit the criteria of a high net worth insurance policy.
We have many schemes available as we have been selling contents insurance policies for over 30 years.
Call one of our friendly staff today who will be able to give you the advice you need when it comes to insuring your contents.