Whether it be water damage, a fire in the home or a break-in – household contents insurance covers damage to your personal belongings. All the movables inside your four walls are insured at reinstatement value.
… you suffer damage to or the loss of your household contents as a result of insured events. For example, a fire in the home, a lightning strike or water damage.
… you are broken into and lose your possession or are robbed with the use of force.
… insured water damage causes further damage to occur, such as a build-up of mould or pests.
… you have the supplementary ‘household contents all risks’ cover, for example, and your bicycle or mobile phone is stolen while you are out and about.
… losses arise as a result of unpredictable events such as war, terrorism, internal unrest or nuclear disasters.
… household contents used commercially or professionally are damaged.
… you damage your household contents intentionally.