What type of things will be covered?
Depending on your level of cover, contents insurance will cover theft, fire and flood too. This will cover your furniture, TV, computer, camera, jewellery and clothes.
Most electrical goods will be replaced with new equipment, but clothes will probably have an amount taken off for wear and tear. Your policy may provide a small amount of accidental damage cover for electrical items such as your TV and DVD recorder.
Is there anything that won’t be covered?
Your contents insurance will not provide any cover for normal wear and tear and electrical breakdown won’t be covered.
Some insurance companies cover phones for theft but it means you’ll be without one while the insurance claim goes through. A separate cover will probably replace your phone straight away.
If you wear contact lenses and have new ones which you replace daily or monthly, they can be insured with your optician.
Can I get insurance for accidental damage?
Yes. It usually costs a bit extra on your policy, but then most of your household contents are covered if you break something accidently for example, by dropping it or spilling something on it.