Insurance isn’t the most glamorous subject in the world, but being without it can cost you dearly. Home contents insurance covers your personal possessions, so if they are stolen or damaged, or lost, you’ll be able to replace the items in a flash. Read on to find out how to get the cheapest cover.
Don’t Over Insure
Contents insurance comes in many different levels, so the first thing you need to do is work out what you want to cover. When you take out a policy it may include lots of extras such as garden shed insurance. However, if you don’t have a garden shed, this is useless!
If there are things in your home you want to insure that are not normally included in basic home insurance, or if you want accidental damage cover, then find out how much it will cost to add them. Mobile phones for example, are easily stolen, lost or damaged. But it may be cheaper to insure them separately elsewhere, such as a specialist mobile phone insurer, so don’t be tempted to add unnecessary extra’s if you can do it cheaper elsewhere.
Comparison websites are your best weapon against paying over the odds, so always use them to find the cheapest cover. Before starting, add up the value of your items to make sure you are covering yourself adequately. Idemnity Policies are generally cheaper, as these replace items at their current value, not the price you bought them for.