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Contents insurance explained Home contents insurance covers personal possessions inside your home from a list of specified risks, such as fire, flood and theft. Content includes things like TVs, tablets, sofas, tables, carpets and curtains, etc. High-value items (such as jewellery, antiques, etc.) are covered by normal contents insurance but they are very likely subject to a maximum limit (such as £1,000 in total or a maximum of £250 per item). Those people with high-value items in their possession are best to seek additional cover for these when purchasing contents insurance. Some insurers offer additional cover for accidental damage to the contents of your home. This would cover you for the repair or replacement of items damaged as a result of an accident – for example, kicking over a tin of paint that ruins your carpet, or accidentally knocking over a vase of flowers drenching your TV in water.

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