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Affordable Contents Insurance
Date Published
13.04.2017
Topic
Home Insurance
At AIG Ireland we know the contents of your house go a long way to making it feel like home:
- Memories around a carefully chosen kitchen table
- A couch you spent months saving for
- Laptops and iPads that entertain your family
What happens if they are damaged or stolen? That is when contents insurance matters. It allows you to replace the things that matter within your home quickly and easily and get working on new memories.
What is home contents insurance?
Contents insurance covers items within your house, where as buildings insurance covers the damage to the structure of the house. You may be surprised by the amount of things contents insurance covers including:
- Furniture
- Electronics
- Kitchen appliances
- Clothes
- Electrics
- Jewellery
Why do I need contents insurance?
Without contents insurance you will have to cover the cost of replacing these items should your contents be:
- Stolen
- Damaged by fire
- Damaged by flood
These events are stressful enough without the worry of replacing items out of your own pocket too.
What should I look for when choosing contents insurance
Don’t automatically select the cheapest option. Choose the option that is right for you. Research what is covered in the event your contents are damaged and make sure it matches your needs.
How should I value my contents for insurance?
The best method for valuing your contents for insurance is to systematically go through each room and list out the high value objects and the estimated cost to replace them. Take photographic evidence of items that can easily be removed e.g. iPads or laptops
Note: very valuable objects like art works or antiques may need to be insured separately.
If you have more questions, our FAQ for home insurance may have the answer. If not don’t hesitate to contact us.
You could have a home insurance quote in 3min, get started now!
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