Mortgage Store has over three decades of experience helping people in Bedfordshire and across the UK gain the right insurance for their requirements.
In addition to our essential services covering Life Assurance, Critical Illness Protection and Wills, we also source the right type of insurance at the right price for you.
This covers the loss of or damage to the contents of your home, such as your furniture, electrical goods, clothing and jewellery.
It’s essential to consider each policy carefully because each plan will offer different levels of cover. Generally, you will be covered against theft and fire. You have the option to insure against damage by accident. If you are not already covered by contents insurance, you may want to consider adding travel insurance for loss or damage to your personal belongings whilst travelling.
Your policy will pay a maximum on single items, yet you will need to specify the value of the contents. Some insurance firms limit the value of any one item under the general policy, so you will need to specify individual items such as expensive jewellery or electrical equipment like laptops and cameras.
What level of cover do you need?
Some contents insurance policies offer ‘new for old’ — replacing old, damaged appliances and possessions with new ones when claimed.
Bear in mind that the premiums may increase the following year, or the insurer may refuse to cover you for the same risk if it happens more than once. Extra features may include:
- Accidental damage
- Credit Card Fraud
- Deeds and personal documents
- No Claims Discount
- Domestic outbuilding contents (other than a garage)
- Door lock replacement
- Freezer cover
- Garden furniture
- Jewellery and furs
There is also an excess on each claim.