Contents Insurance
Contents insurance is a type of house insurance. It’s designed to help protect your personal possessions and belongings against damage, theft, or loss.
You can also purchase contents insurance combined with buildings insurance under Intasure’s home insurance policy.
How does contents insurance work?
Home contents insurance only helps to protect the items in your household, not the structure itself. It can cover damage or loss caused by factors such as fire, theft and flooding and can also extend to cover certain items kept in your garden.
You should have an idea of the value of your items so you know how much cover you want. Providers tend to take three different approaches to help determine the level of insurance you may want. These include:
- Bedroom rated: Insurance providers calculate the total amount of cover based on the number of bedrooms at your property.
- Sum insured: You work out the total value of your items to determine how much cover you need.
- Unlimited cover: A provider sets a maximum amount to cover your home’s contents, possessions, and valuables. They may set limits for individual items, such as £3,000 for one item of jewellery.
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It’s important to be as accurate as possible when taking out a contents insurance policy. Otherwise, you may leave yourself at a financial loss if you lose an expensive item that’s not insured for its full worth. On the other hand, you don’t want to be paying too much for a policy if you’ve overvalued your items.
Do you need contents insurance?
Contents insurance isn’t a requirement like buildings insurance when it comes to mortgages. Most mortgage providers insist that you have buildings insurance in place before securing your mortgage deal. However, contents insurance is optional cover.
You may need different types of cover depending on whether you’re a landlord, homeowner, or student, for example:
Policy limits and exclusions may apply, please see the policy wording for full terms and conditions.
What does contents insurance cover?
Contents insurance covers personal belongings and items in your home up to certain limits. Intasure’s home and contents insurance policy is designed with the following cover:
We also have several optional extras to add to your policy for an additional fee. These include:
Policy limits and exclusions may apply, please see the policy wording for full terms and conditions.
What risks does contents insurance cover?
Home contents insurance can cover risks such as:
Policy limits and exclusions may apply, please see the policy wording for full terms and conditions.
What items can contents insurance cover?
- Jewellery
- Tech, such as laptops, tablets, TVs, and phones
- Furniture
- Artwork, ornaments, and other collectables
- Wine collections
- Sporting equipment
- Musical instruments
- Personal money
- Deeds and important documents
- Hot tubs and spas
- Fridge and freezer contents
- Replacement locks and keys
- Medical equipment on loan
- Shopping in transit
- Guest contents
- Items stored in outbuildings, sheds, and garages
You may be able to insure other items, so it’s worth checking with us first. You can also name important or expensive items on your policy to ensure they’re covered up to a certain limit.
Policy limits and exclusions may apply, please see the policy wording for full terms and conditions.
Why choose Intasure?
With over 20 years of experience providing cover for second homes in the UK and abroad, we’ve built up a team of specialists to help you find suitable cover.
Some of the benefits of taking out an insurance package with Intasure include:
Cover overseas
We provide cover in more than 20 countries and territories
UK teams
We have an in-house UK-based customer service team
English documents
We provide all policy documents and communications written in English
Rated ‘Excellent’
We are rated ‘Excellent’ on Reviews.io, with 96% of reviewers recommending us*
*correct as at January 2024
How much does contents insurance cost?
Contents insurance isn’t a requirement like buildings insurance when it comes to mortgages. Most mortgage providers insist that you have buildings insurance in place before securing your mortgage deal. However, contents insurance is optional cover.
You may need different types of cover depending on whether you’re a landlord, homeowner, or student, for example:
FAQ
Please note that these frequently asked questions are not a substitute for the policy wording. For full terms and conditions, please see the policy documentation.
Our mission as second home insurance specialists
We comprise of an in-house team of sales, renewals, customer service, claims, and underwriting specialists. Our aim is to help you find property insurance that suits your needs.
20
Years’ experience
providing holiday home insurance
96%
of reviewers recommend Intasure
on reviews.io*
20+
Countries Covered by
Our Policies
*correct as at January 2024
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Specialist second home insurance from Intasure
Learn more about the cover our products provide: