Are my Personal Belongings Covered on my Contents Insurance if I Take Them out of my Home?

Standard home insurance with most companies will cover you for the theft of personal possessions within the home, but not all specify as to whether or not this includes for if you take them away from your home. There are some companies, such as the Co-operative, who offer an optional extra policy on their home contents insurance, this is a personal possessions insurance.

What does a personal possessions insurance cover for?

Depending on the policy and the company which you go through for this insurance, it usually covers for items such as:

•   A certain amount of money will be covered on the insurance.
•   Insurance cover for any fraudulent use of your credit card.
•   Insurance cover for personal items (which usually includes laptops), clothing which is worn or carried outside the home (upper limit on this)
•   Insurance for pedal cycles.
•   Insurance cover for sporting equipment.
•   Plus insurance cover for mobile phones and compensation for calls lost.

In addition to this you could also benefit from the following:

•   New for old on replacement of your possessions (this means that you get new items to replace the old ones, this applies on everything except clothing)
•   You can usually choose from around 5 levels of different cover, so you can get one which suits your individual needs.
•   Plus you can expect to be covered whilst you are abroad, usually this applies for a maximum of 60 days.

The above varies from company to company, but there are many companies out there now on the internet who are offering this sort of insurance. The above is also subject to terms and conditions which can be found on your insurance policy. Check out www.insurance64.co.uk for more information on home insurance and related products.