Whether you’re renting a place or letting it out, anywhere which contains your belongings should be a place of safety and security.
But if you’re ever the victim of a fire, property damage or theft, significant stress and worry may come from having to replace most, if not all, of your belongings.
We at Cubit understand the complications which can arise from such a situation, which is where Contents Insurance comes in.
Contents insurance is designed to protect your belongings from floods, fires, property damage and theft. To understand what this policy will cover, think of it as cover for anything you brought into your home, or what you would take if you decided to move house.
Imagine if you came home today to find that your possessions had been ruined – on top of deciding what you’d need to replace, it’s likely that the cost for such items could reach into the thousands – far more if the person’s house contained jewellery and other invaluable possessions.
This is where contents insurance comes in handy. You’ll be able to protect your stuff against damage due to fire, flooding and theft; in light of that happening, you’ll be covered for replacement costs.
An example of what’s covered include the following:
The list can go on, highlighting just how expensive replacing things can be. With content insurance, those fears are easily removed, leaving you to focus on other things should such an incident take place.
Content Insurance can be provided in two different ways:
Both options have their pros – it’s down to what’s best for you and your financial capabilities.
It’s not a legal requirement to have contents insurance, but the question you need to ask is just how essential your possessions are, and what you’d do if you lost them, or needed to replace them.
Content insurance is a way of preparing for any mishaps and calamities which might befall your property, in such a way that you can get back to basics relatively quickly. This could be important for work, and particularly for families.
At the least, it’s worth considering over!
The easiest answer would be to insure your items for their actual value. But ideally, enough cover would be in place to replace everything you own, if anything bad was to happen to your home.
“Everything” should also be understood in the broadest sense – such a policy, for example, would include things you might have left up in the attic, like sports gear, decorations and the like.
This might make it lengthy and somewhat taxing task, but it helps you present us with an accurate idea of how much your possessions are worth, and helps you decide what’s worth insuring and what isn’t. A contents calculator would also come in handy, so you stay on track for the whole thing.
It’s important, however, to separate any belonging which surpasses £1,000 on its individual value, as these are considered High-Risk items – meaning, not only are they more vulnerable in acts of theft, but they will be harder to replace.
Though they’re usually not part of a standard contents policy, some insurers may offer extra cover at a cost.
The following are not part of our standard content insurance policy, but can be provided if you need:
Crucially, the aim of Cubit Insurance is to make the arrangement of your policy as straightforward as possible. The above is a good introduction as to what we do, but we’d still love to hear from you and discuss how to provide you with a policy which suits your exact requirements.
Call us today to get your policies up and running!
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Very helpful staff and great prices. Very happy customer 🙂