Contents Insurance

Contents insurance is insurance in which insurer pays for damage to, or loss of, an individual’s personal possessions provided that they are located within individual’s home. However, in case of some contents insurance policies, a restricted cover is provided for personal possessions temporarily taken away from the home by the insured party/policy holder.

In this context “possessions” refers to anything that is not everlastingly attached to the structure of the home (In other words: possessions that are permanently attached to the structure of the home can only be insured through home insurance.) Some contents policies also over possessions kept in outbuildings or in the garden area connected/adjacent to the house.

Contents insurance is typically sold alongside home insurance but it can also be bought as a stand-alone policy, particularly for those individual who are renting rather than owning their home.