Why you need contents insurance
Your home is full of your most cherished belongings which is why different people need different types of home insurance. More...
Property crime accounted for 70% of all police recorded crime in 2013/14 according to the Office for National Statistics.
Peace of mind
Home is where we keep our most prized belongings, contents insurance is there to help if anything happens to them.
Defining your contents
Your contents are the things you'd take with you if you move, things like:
- Electrical items
If you have items you'd like covered but aren't sure if they can be, just call one of our friendly agents who will be happy to help.
Call us on: 0333 220 2090
Calls to 03 numbers will cost no more than calls to national geographic numbers (starting 01 or 02) from both mobiles and landlines.
What Admiral Home Insurance covers
If you take out contents insurance with us, your belongings will be covered for theft, vandalism, fire damage, water damage and even natural events like lightning strikes.
So, if the worst were to happen to your home, your most precious belongings would be covered. Whether expensive or cheap, we know what matters most to you.
Contents insurance for renters
Getting on the property ladder is a tricky business which is why so many people in the UK are now renting. Just because you're a tenant rather than a homeowner, doesn't mean house contents insurance isn't for you.
Your landlord is responsible for ensuring your home has buildings insurance but it's up to you to arrange cover for your belongings. As long as you rent a property alone, with your partner or as a family, you can insure your contents with Admiral Home Insurance.
Contents or buildings insurance?
Renters only need to worry about contents insurance which covers the belongings inside your home. Those who own their homes, however, will need to consider buildings insurance too - it's often a condition of your mortgage.
Buildings insurance basically covers everything that's permanently attached - doors, the structure and yes, the kitchen sink too.
Everything you'd pack up to move with you would be covered by a contents insurance policy.
You can select an Admiral Home Insurance policy which covers both contents and buildings insurance.
Adding up the value of your contents
If you're hoping to cover your contents then the most important thing to know is what your belongings are worth.
Adding up the cost of everything you own does sound like a daunting task but it's one that needs to be done if you hope to claim back the right amount for your belongings.
To add up the value of everything in your home, go from room to room and write it down. Be extra careful to make a note of anything with a value of £1,000 or higher to ensure we are able to cover them.