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Contents insurance
Just by making a few telephone calls you could save yourself money, when your house insurance is due for renewal. So that you get the best price for your house insurance it is best to contact two or three companies and get quotes from them and compare them from a couple of brokers.
What you will need to remember is that you normally need two home insurance policies, one for the buildings and the other for the contents.

This content insurance will cover the things that are inside your home, this includes carpets, curtains, clothing and appliances, against loss or damage because of fire, theft and other risks. The policies may even include cover for accidental breakages and damage to items like hi-fis, televisions, computers and video recorders. But, you may need to pay extra for the accidental damage cover.

And don’t forget to make sure you have the right amount of cover. If you are under-insured then you will not have enough cover in the event of a claim, but if you are over-insured then you will just be wasting your money.

Contents insurance features
The contents insurance cover things that are inside you home, this will include carpets, curtains, clothing and electrical equipment and appliances.
Normally it covers damage due to fire, lightning, explosion or earthquake, theft or attempted theft, riots or vandalism, falling trees, storms or flooding, subsidence, moving objects (such as a cars hitting your home) and escaping or leaking water or oil (from a tank or pipe, say). But you may find out that it is hard to get cover if you live in an area that is continuously affected by flooding.

Contents insurance also usually covers:
• your legal liability as occupier of the house, for example, if a visitor has an accident and injures themselves

• the cost of accommodation and storage if you can't live in your home because of damage that is covered by your contents policy

• accidental damage to stereo equipment, TVs, computers, VCRs and any glass in furniture (a glass tabletop, for example)

• replacement keys and locks, and locksmith's fees if you lose or damage your keys

• damage to TV and radio aerials, and satellite dishes

• loss of food if a freezer breaks down

• theft of cash from your home.

Accidental damage
The basic contents policies include most cover for accidental damage, for example to a stereo equipment and glass furniture. However, do not cover
accidental damage to goods or furnishings.

Just for an extra premium normally between £20 and £100 you could extend your cover to these items. this could prove useful if you have young children, for example. But if your household is less active, then the accidental damage cover may not be worth paying extra for.
Personal possessions (all risks)

Another extra cover is personal possessions which you could add to your contents policy, or ‘all risks’ cover as it’s sometimes called. This covers the loss of your possessions away from home, like a handbag or camera, for example. There are restrictions on what can be covered, so you will need to check with the insurer so that you know what you are paying for.
Exclusions

With some cases, there are limits as to how much you can claim, as an example stolen cash or frozen food.
There is also a limit on the amount of cover for high-value items like jewellery or audio-visual equipment. So if you have possessions that are of a high value, check that they will be properly covered by any policy that you are thinking about.

There are some policies won't cover any liability arising from your business or trade if you are working from home.
Other common exclusions include:

• losses due to theft if you have let or sub-let your house, unless there are signs of forced entry

• damage by a leaking central heating system, for example when the house is unoccupied for more than a certain number of days, usually 30.
This means that it will be important for you to read the policy carefully to make sure that it will provide you the cover that you need and that you understand you responsibilities, like locking doors and windows when you leave your property.

Policy choices
You can choose from many different types of policy. But it is important to go for the right one to make certain that you do not end up out of pocket if you need to claim.

New-for-old vs. indemnity
With this new-for-old cover, the insurer will either pay the full cost of repairing damaged items or pays to replace them with the equivalent new items if they are stolen or destroyed.
Indemnity policies, on the other hand, will take out an amount for wear, tear and depreciation from any payout. Despite the fact that an indemnity policy might be cheaper than new-for-old cover, they are not recommended; this is because they could leave you much worse off if you have a large claim.

Sum insured vs. bedroom rated
With this you will be able to choose the level of cover you need in one of two ways. A bedroom-rated policy, which is based upon how many bedrooms your home has, often subject to a maximum amount of cover.
Or the other option is with a sum-insured policy where you work out how much cover you need, and the insurer will work out your premium on that basis. It's not always clear which type offers the best value, so it is better to get quotes for each before choosing.