You understand the importance of finding the right cover to protect your treasured possessions from loss or damage.
At Swinton we work hard to find great deals for our customers, and with over 60 years of experience behind us, we believe we understand what is important when you are looking for home contents insurance too. We'll compare quotes from our panel of UK home insurance companies to give you the lowest price we get back from them.
If you’re looking for a clear and simple way to cover your buildings or contents, we offer three cover options: Essentials, Classic and Premier - you just need to choose the one that’s right for you.
Contents insurance covers the cost of replacing all the things in your home that are not part of the structure of the building, such as your furniture, TV and clothes. Generally speaking, this will cover you if they are damaged or destroyed by an insured peril.
According to the Association of British Insurers, the average three-bedroom family home has contents worth £55,000. So, if you don’t have home contents insurance, you could be hit by a very large outlay to replace your belongings should the worst happen.
Be aware that home contents insurance policies will typically include an excess, which is the amount that you agree to pay every time you make a claim. For example, if you have to claim to replace home contents worth £200 and you have a £100 excess on your policy, then your insurer will only pay you £100.
Contents insurance policies will generally include certain limitations:
Contents insurance doesn’t include the structure of your home, such as the walls and the roof. You will need to have buildings insurance to cover this or you could take out a combined buildings and contents home insurance policy.
To make sure that you have enough insurance cover for all your home’s contents, it’s very important that you give an accurate valuation of your possessions.
If you underestimate their value, then you risk a shortfall in the amount that will be paid out if you need to make a claim, or potentially the insurer could decline your claim. On the other hand, if you overestimate the value of your home contents, then you could end up paying higher premiums than you really have to.
Be aware that the value of some expensive items – like gold, jewellery or collections – can change over time. Typically insurers will require you to get items like these professionally valued at least every two years, to make sure they haven’t been over or undervalued on your contents insurance policy.
Here are some tips on how to value your home's contents:
And here’s a list of some of the items that can sometimes be forgotten when valuing your home contents:
At Swinton, we have created a simple and helpful Contents Calculator to help you get a better understanding of the value of your possessions.
Please note that insurance cover can vary from one insurance provider to another so you should check your own insurance documentation for exact details of the cover already held.