Usually, a contents insurance policy could be expected to cover most of the following:
- Fire, explosion, lightning and earthquake damage
- The cost or replacing the contents of your freezer - up to a limit!
- Burst pipes - be they water, gas or oil
- Accidental cover to some electrical equipment
- A level of personal liability cover
- New for old cover
There are some companies who will offer extras such as accidental damage to all of your home
contents and personal possessions cover (that is your personal goods outside of the home, such
as ipods, handbags and clothing). Some companies also offer garden cover for your favourite
Koi carp, or garden gnome!
Most policies exclude damage caused by pets. Remember, you should insure your contents for the
replacement cost of everything as new.