As with all insurance products, there will be variations of cover to choose from dependent on the excess level, level of cover and cost of premiums. Your premiums will increase if you claim on your policy and as always, shop around for the right quote to suit your current situation and budget.

In general your policy should include cover for;

All household goods - This would include carpets and curtains

Personal belongings - e.g. cameras, bags and glasses.

Cash in your home - A specific amount offered by insurers

All of the above are covered against theft, vandalism, fire, storm and flood.

Accidental damage - To TVs, VCRs, stereo equipment and home computers.

Freezer contents - Usually for around £250 - £300

Garden contents - Usually for around £500

Contents temporarily removed from your home e.g. caravan or holiday home - a specific amount offered by insurers

Freezer Malfunctions - Usually the result of a power cut resulting in a loss of food - often amounting to £150

Accidental Damage - When added to your contents insurance, it covers accidental damage to contents such as spillages on carpets.

Burst pipes – Not all insurance provide contents cover for this eventuality.