What is Contents Insurance?
Contents Insurance covers the contents of your business premises including stock, office equipment and machinery. Your home contents policy may not cover you for loss or damage to business equipment, so check it with your home insurance provider. You can find information about a wide range of small business insurance policies in the Policies section on our website.
Home Contents Insurance is cover for all of your household contents, i.e. furniture, carpets, curtains, television, stereo, kitchen equipment, ornaments, personal possessions, clothing, computers, etc. It is the total value of everything that is in your home that you would take with you if you were to move based on replacement cost. (Please note most insurers calculate the replacement of clothing and linen after allowing an amount for depreciation) The contents value does not usually include fitted furniture, e.g. fitted wardrobes and fitted kitchens, as these items are included under the buildings insurance. (Please see individual provider’s website for full details). Many policies include accidental breakage of mirrors, glass tops to furniture, ceramic hobs (delete ceramic hobs – buildings cover) and fixed glass in furniture. (Please see individual provider’s website for full details).
