Insurance explained - what are home Contents?
Insurance companies can sometimes throw words and phrases around assuming everyone knows what they mean. Here we explain what home Contents are.
In short, home Contents are the things in your home that you’d expect to take with you if you were to move home. Another way to describe them is all the things that would fall out if you turned your home upside down. Contents cover may extend to things you keep outside in your garden, garage or shed for example, but it depends on the insurance product you choose whether you get this or how much is covered.
You can insure the contents of your home by buying a home Contents policy either as a stand-alone policy, or as part of a combined Buildings and Contents policy, if you own or mortgage the home rather than rent it.
Generally the owner occupier or lead tenant would take out a single Contents cover for everyone who lives in the home - just make sure any non-family lodgers are mentioned on the quote if asked.
Contents policies are normally sold on a sum insured or ‘up to’ blanket basis - make sure you choose a limit that suits the needs of your household.