Contents insurance for flats covers most things that you could pick up and take away with you if you left. This includes furniture items, clothes, electricals your bike or even a musical instruments. It also includes furnishings like, carpets, blinds, curtains and the pictures you have on the walls. And if you’re one of those lucky flat owners with a garden or terrace, then your contents cover extends there too (meaning you’ll have cover for any outdoor furniture or BBQs kept outside. It will also cover items kept in your garage such as bikes, tools and gardening equipment).
Basic flat insurance will cover you for incidents like fire, water damage and theft, but there are add-ons, which will give you further protection. You can get accidental damage cover which means if you’re a bit clumsy and prone to breaking things, you could be covered. You can also get extra cover for items taken out of your home, meaning that if for instance you’re in a band and you carry your musical instrument around with you to gigs, your items are may be covered if they get damaged or stolen.
Remember to make sure you tell your insurers if you have something that’s particularly valuable, whether it’s a painting, a sculpture, an antique piece of furniture or jewellery that you’ve inherited, it’s important to declare it to your insurer. This is because a typical policy will only insure one item up to a certain amount (usually this is about £1,500). By telling your insurers they can adjust your premium and make sure your valuable items are covered correctly.
Finding home insurance for flats is really easy with us – you can compare different products and prices on offer. All you need to do is answer a few questions and we will do the rest. We have already helped 50% of people obtain a saving of up to £71.73** on their buildings and contents insurance and we can help you too.
**Based on online independent research by Consumer Intelligence during Feburary 2017. 50% of consumers could achieve this saving on their Buildings and Contents insurance with comparethemarket.com.