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Contents Insurance
If you have buildings cover your property is covered, but what about the valuable items inside.
Contents insurance gives protection to anything that is not a fixed part of your home (those things are covered by your buildings insurance). It covers items such as clothing, furniture, electrical goods etc. It is advisable that any home owner or tenant have a contents policy in place.
It is common for certain items that you take away from the home to be covered such as a bicycle or the contents of a bag. Mobile phones, watches etc can be covered also. Many providers will now even cover your garden as if it is another room, so things like plants can be claimed for. The important thing is to check the policy so you know what is covered.
Items that are high in value, normally £1000 or more will often have to be listed separately on your contents policy and may incur an additional charge.
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Contents insurance
Policies might cover you in the event of an injury in the home and perhaps legal liability if someone were injured in your home due to negligence or lack of upkeep of the property.
The most important thing to remember with contents insurance is not to be under insured. When our experts arrange your policy, they will be asked to define a sum assured - this will be the maximum your insurer will pay out. Under insuring may have drastic consequences.
If your home contents perished in a fire and had a value of £30,000 but you were only insured for £20,000 you would have a massive deficit. You need to ensure that when you calculate your home contents value that it is as accurate as possible.
Contents policies will cover your items from:
Fires
Storms & Flooding
Explosions
Theft & Vandalism
If you would like to learn more about contents insurance or would like us to help you with finding the right cover for you, speak to our team or visit our Southernhay offices in Exeter, Devon.
No need to worry.
We will deal with all your concerns.
Have a question? Contact our Devon team today.
Beerstone Financial Services was established in 1996 by Chris Beer, our Director, who still oversees the company and ensures we maintain the best service.
In total we have over 30 years of experience in financial services working in a range of environments so you can be sure that your situation is in experienced hands.
Speak to our team
Visit our offices: 2 Southernhay West, Exeter, EX1 1JG
Beerstone Financial Services Ltd (542704) is an Appointed Representative of BrokerSync Ltd, which is authorised and regulated by the Financial Conduct Authority (1031981).
There may be a fee for Mortgage Advice. The precise amount will depend upon your circumstances and will be agreed upon following your initial meeting.
Investments, Pensions, Wills, Trusts, PMI and Estate Planning will be referred to our authorised third-party providers. Beerstone Financial Services Ltd and BrokerSync Ltd are not responsible for any advice received from the third-party providers.
Investments, Pensions, Wills, Trusts, PMI and Estate Planning will be referred to our authorised third-party providers. ABC Ltd and BrokerSync Ltd are not responsible for any advice received from the third-party providers.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Conveyancing, Wills, and some forms of Buy-to-let Mortgages and Commercial Mortgages are not regulated by the Financial Conduct Authority.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or other debt secured against it.'