What's covered under contents insurance

• Household goods including non permanent fixtures and fittings such as carpets
• High risk items such as jewellery, works of art and photographic equipment.
• Personal belongings
• Up to £3,000 of office equipment and furniture for a business run from the home
• Cover is up to the selected sum insured which can range from £15,000 to £99,000. Within this sum insured the limit for high risk items will be 20% of the contents sum insured

High risk items are: photographic equipment, jewellery, items or sets or collections of items containing gold, silver or other precious metals or precious stones, works of art, pictures, sets of stamps, coins or medals, or furs all belonging to your Household or for which they are legally responsible.

• Fire, smoke, lightning, explosion, thunderbolt or earthquake
• Storm or flood
• Escape of water or oil from any fixed water or heating installation or domestic appliance
• Riot, civil commotion, strikes, labour or political disturbances
• Theft, attempted theft, vandalism or malicious acts (limited to £2,000 cover for theft from outbuildings)
• Subsidence, ground heave or landslip of the site in which your property sits
• Falling trees, aerials or satellite receiving equipment

Optional accidental damage extension (an additional premium will apply), such as spilt wine staining soft furnishings

• Freezer contents up to a maximum of £500
• Alternative accommodation up to the lower of £10,000 or 20% contents sum insured
• Cash up to £350 and use of credit cards up to £500 where stolen from the home
• Guest's property up to £250
• Cover for personal documents and title deeds up to £500
• Legal responsibility as a tenant up to 15% of the sum insured
• Public liability cover up to £2,000,000
• Increase in contents cover by 10% during the Christmas period and before and after weddings
• Loss of oil or metered water up to 10% of the contents sum insured
• £500 of cover for contents in the open
• Limited cover up to 20% of the sum insured for contents away from the property
• Replacement locks and keys cover of £250
• Accidental breakage to home entertainment equipment and mirrors and glass

In addition to contents cover (which in the main insures the contents whilst in the home) cover can be extended for an additional premium to add personal possessions cover.

This is designed to cover clothing and personal articles designed to be carried on or around your person, both in and away from the home, for example camcorders, sports equipment or luggage on holiday.

If required, you can pay an additional premium to add pedal cycle cover to the standard policy.