Householders Insurance - A typical contents policy also covers :

Broken mirrors, glass tops of furniture, doors, fixed glass.

Accidents to the public. If you are legally liable for any accidents in your home to people, apart froM your own family, you are usually insured for up to k 00,000 for any one accident. This insurance can be useful if a tradesman, for example, injures himself while carrying out repairs on your premises.

Accidents to staff. If you have any staff and they are injured in your home as a result of an accident for which you are legally liable, your insurer will usually pay compensation up to a maximum of £l00,000. This would be in addition to the State Industrial Injuries benefits described in Section 9.

Death benefits to husband and wife. if you, or your wife/husband, dies as a result of fire in your home or after being injured by thieves, your insurer will, under this Section , pay a lump sum (often between £6,000 and £49,000).

Tenant's liability. If you live in leased accommodation and are responsible for repairs to your landlord's fittings, this Section is of special interest to you. Many policies cover damage by storm, floods, bursting and overflowing of water tanks, theft, up to 30 % of the contents sum insured, providing the home is never left unfurnished.

Temporary removal. Your possessions are normally covered while they are temporarily removed from your home, but remaining in Great Britain and Ireland. However, you cannot usually claim for storm, tempest and flood damage while your property is in transit. Also theft is often only covered while your possessions are in another private home, at work or in transit to and from a bank or other safe deposit. The maximum compensation is usually limited to 30 % of the sum insured.


A typical contents policy also covers

read on: Householders Insurance - How much does it cost?

Broken mirrors, glass tops of furniture, doors, fixed glass.

Accidents to the public. If you are legally liable for any accidents in your home to people, apart froM your own family, you are usually insured for up to k 00,000 for any one accident. This insurance can be useful if a tradesman, for example, injures himself while carrying out repairs on your premises.

Accidents to staff. If you have any staff and they are injured in your home as a result of an accident for which you are legally liable, your insurer will usually pay compensation up to a maximum of £l00,000. This would... see: Householders Insurance - How much does it cost?