Your home contents insurance could really come in handy if you suffer from an accident in your home which causes you to damage your possessions.

While all policies don’t provide the same type of cover, and the cover depends on how much you pay for your premium and also the type of cover you take, some items in your home can be covered for accidental damage.

If you have buildings insurance then your policy will probably cover you to some extent against accidental damage to windows and pipes through which an accident causes them to burst, or sanitary ware. 

The same can be said for home contents insurance. Should you accidentally burst a pipe and water damages your possessions, then to an extent you could be covered for the damage. In some cases the contents of your freezer will be covered should this be damaged due to an accident or the contents damaged due even a long power cut. 

Accidental damage that occurs to TV screens, computer screens and similar items could also be covered by your policy.02539,02568,02535, 02562, 02537, 02553, 02540,
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However not all policies allow and will pay out for accidental damage, so it is important that you understand what is and is not covered by the policy. This is also an important factor to take into account when comparing premiums and you should do so on a like-for-like basis. Premiums vary a lot so do look into what is actually covered in the policy. Some times prices will vary from company to company for the same cover, but then it can also be due to the fact that a certain policy does include more accidental damage than the other.

If your policy doesn’t include accidental cover or is very limited then it could be well worth thinking about taking out extra accidental damage cover. The truth is that no one knows when an accident will occur and sometimes accidents can be very costly. Shop around online for the policy that gives you the best amount of accidental cover while still being reasonable in premiums. 

Always read the small print of a policy and never take for granted that something will be covered for accidental damage. However, should the worst come to the worst and you do suffer an accident, then it could be worth getting in touch with your insurer to see if you are covered.

Basically, home contents insurance is insurance protection against the replacement cost that you would otherwise have to pay to replace the contents of your home in the event of then being lost, damaged or stolen.  As is the case with home buildings insurance, the main factors contributing to grounds under which you can make a claim against your home contents insurance include theft/burglary, damage due to floods, burst water pipes or boilers, etc.

<b>There are, however, two very important factors that you need to keep in mind when insuring the contents of your home:</b> 

<li> First, in the case of home contents insurance, it is rarely the case that your mortgage provider is going to insist that you have this type of insurance as part of your mortgage agreement; 

<li> Second, regardless of whether you own or rent the property you are currently living in, you should still be looking to insure the contents of your home – as these are your personal possessions.  

Two further aspects of home contents insurance also need to be considered carefully when you are checking out the different kinds of policies on offer.  In some, but not all, cases you can be insured for your home contents even when the items listed in your home contents insurance policy are not actually physically located on the home ‘property’.  So, for example,
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<li> First, it is possible to claim when you are transporting items from one place to another and they are stolen.  

<li> Second, home contents insurance is insurance against the replacement cost of the item being insured. 
 It does not, nor is it intended to, insure you against the nostalgic value of the item damaged/lost.  So, for example, if you insure a picture your deceased grandmother gave you, which would cost £20 to replace, it makes little difference that it was your deceased grandmother who gave it to you and that it cannot, therefore, be replaced. 

Although home contents insurance is, in all but a few very rare circumstances, a completely voluntary scheme of insurance to subscribe to, if you are in any doubt as to the value of this insurance scheme, take a quick mental inventory of the contents on your home and their value and then get a few quotes off the internet and you’ll soon be seeing the value of having your home contents properly insured.