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Property
Household insurance (Home contents insurance)
Household insurance covers the contents of your home such as electrical appliances, CD's, clothing, food and drink, furniture and electronic goods. Most home contents insurance policies will cover the items against loss or damage caused by fire, theft and flooding and some will also cover accidental damage caused to these types of items.
Certain household insurance policies will also include a legal liability clause insuring you against claims made by individuals who have suffered damage to their person or property whilst within the boundaries of your property. Not normally covered by a home contents insurance policy, but still insurable at an extra cost, would be articles which are regularly removed from your house such as cameras, laptop computers, sunglasses, jewellery, etc.. This sort of cover is known as risks extension and protects such articles outside of your home.
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