Contents Insurance: the importance of contents insurance

Finding your dream home is a mammoth job in itself – with so much choice out there, it can be a daunting prospect to even set foot on the property ladder.

The home buying process can be a long and drawn out one and it seems that the list is never-ending – structural surveys, solicitors’ fees, chains, and moving vans are just part of that process.

Often, it’s the little things that get missed and insurance is certainly one of those things.

Buildings insurance, which covers the structural integrity of your home, is required by law and often, homeowners think – that’s it, it’s all done and covered.

But they couldn’t be further from the truth – contents insurance, whilst not a legal requirement is essential for homeowners, both new and established.

Contents insurance covers everything that buildings insurance doesn’t – that is, everything that’s in your home that is not a permanent feature.

Think of how much it would cost to replace all of your belongings; when you add it all up, it becomes a really costly business.

If you were burgled or your home was damaged in some way, such as through flooding or fire, then your items would need to be replaced.

Contents insurance will ensure that you don’t end up footing the bill to replace to repair your items, instead, you have the peace of mind that your insurance company will take care of it.

When you are choosing your insurance policy there will be various different categories – these will usually include furniture, such as your sofa and bed, electricals, such as your TV, games consoles and kitchen electricals, plus any other miscellaneous items, such as clothing, books, DVDs and all those other little items that you can’t live without!

In order to find cheap contents insurance, it is worth comparing quotes from various insurance providers which can be done by companies such as Endsleigh.

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