Fire, water damage, burglary: home contents insurance compensates for your belongings. You just need to value them correctly to avoid under-insurance.
It protects all your movable property (furniture, electronics, clothing, valuables) against fire, water damage, theft and vandalism.
Under-insurance is the classic trap: if the sum insured is below the real value, the payout is reduced. We calculate the right amount with you.
No: home contents covers your belongings, personal liability covers the damage you cause to others. They're often combined.
The sum insured must reflect the replacement value of everything in your home. Under-estimating it reduces the payout in a claim; over-estimating it makes you pay an unnecessary premium.
Often as an option (simple theft away from home). We adjust this cover to your lifestyle.
Home contents insurance compensates for your movable property in the event of theft, fire, water damage or a natural event. Some cover (theft away from home, glass breakage, appliance damage) is optional: whether to activate it depends on your lifestyle.
Keep photos and receipts of your valuables: in a claim, this speeds up and secures your payout.
Above a certain amount, yes: jewellery, watches or high-tech equipment may need specific cover. We check the caps in your contract.
We compare the offers and check your cover amounts.
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