Why you need contents insurance
While a contents insurance policy isn’t compulsory, ask yourself what you’d do if everything you own - your clothes, furniture and gadgets were destroyed. Replacing everything would be very expensive. Contents cover protects your belongings against unexpected events such as:
- Fire damage
- Water damage
Peace of mind
Property crime accounted for 70% of all police recorded crime in 2013/14, according to the Office for National Statistics.
Home is where we keep our most prized belongings and contents cover is there to help if anything happens to them.
What is covered by contents insurance?
Contents insurance covers the items 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.
Alternatively our contents calculator can help you work out the value of what you need to cover.
If you take out an insurance policy 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 sentimental, we know what matters most to you.
Contents insurance for renters
Getting on the property ladder can be a tricky and expensive business, which is why so many people in the UK choose to rent. But just because you're a tenant rather than a homeowner, doesn't mean you don't want to protect your belongings.
Your landlord is responsible for ensuring your home has buildings insurance but it's up to you to arrange cover for your possessions. As long as you rent a property alone, with your partner or as a family, you can insure your contents with Admiral Home Insurance. If you are living in shared accommodation please visit our Tenants Insurance page for more information.
Contents or buildings insurance?
Renters only need to worry about contents which covers the belongings inside the property. Those who own their homes, however, will need to consider buildings insurance too - it's often a condition of your mortgage.
Buildings insurance covers everything that's permanently attached - doors, the structure and yes, the kitchen sink too.
While everything you'd pack up to move with you would be covered by a contents policy.
You can also select an Admiral Home Insurance policy which covers both contents and buildings insurance.
Adding up the value of your contents
If want to cover your contents, 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.