Are my belongings covered outside of the home?
This depends on your contents insurance policy, so you’ll need to check with the insurance provider. Personal possessions aren’t usually covered as standard so, in most cases, you’ll need to add personal possessions cover, to your home insurance.
Personal possessions cover offers protection against loss and damage to items that you’d typically take with you when you leave the house, and includes phones, watches, wallets/purses and jewellery.
There’s typically a cap on the single item value, so anything particularly expensive might need to be added to your policy as an individual item. Just make sure your insurance provider knows that you’re likely to need cover for these items outside the home too.