Content insurance for flatting, home owners, renting and landlords

What does contents insurance cover?

The general rule is that if your house was turned upside down, anything that falls out of it is contents. So, contents insurance covers things like furniture, clothing, bedding, rugs, electrical items, whiteware and money. Some items have limited cover unless you specify them separately on your policy schedule, such as jewellery and artwork. If you have expensive stuff, tell one of our brokers so you're protected.

How contents insurance works

You’ve invested a lot of effort and money to get the possessions you value, so it’s worth insuring them with care. You need to make sure you have got the right amount of contents insurance cover: too much and you’re paying more than you need, too little and you may not get a payout at claims time.

We can compare contents insurance quotes for you and provide either 'new for old' replacement policies or 'indemnity value only' policies.

New for old means you’ll get paid what it costs to replace the items (other than clothes, where there’s usually a deduction for wear and tear).
Indemnity cover means you’ll only get the current value of your possessions. Even though your TV cost $2,000 to buy, you will only get what it is worth now, which might be $450. Your premiums will be cheaper, but it could be a false economy.

There are different types of contents insurance to choose from:

Personal contents	Covering your contents for accidental loss and damage. We can offer new for old replacement policies or indemnity value only policies
Flatters contents	Defined events cover for home contents when you are flatting
Holiday home contents	Accidental loss and damage policy or defined events policy for your holiday home contents
Landlord contents	Defined events cover for contents you have left in the house for your tenants to use

Help with contents insurance

Our brokers are here to help you understand exactly how content insurance works and what you're insured for, and to get the cover you need for your possessions. We can help you assess your contents insurance, the limitations, the policies available and the costs.

You need to make sure you keep your insurance company is up-to-date with your circumstances. If you’ve splashed out on new stuff, or have electronics that are worth more than your single item limit on your policy, you should let your broker know. Claims time is not the right time to find out about the limitations of your coverage.

Your broker will talk you through the options and help you select the right home contents insurance policy for you and you need to put in a claim, they'll go into bat for you on your behalf.