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    Contents

    What's it for?

    It covers the loss of or damage to the contents of your home. This includes your furniture, electrical goods and other items within your home. Some policies cover you for items you take outside, for example cameras, jewellery and briefcases. Different policies offer different levels of cover but generally you'll be covered against theft and fire, and have the option to insure against damage you may cause by accident. It is always vital that you thoroughly read and understand the full policy terms and conditions.

    If not already covered by your contents insurance, you may want to consider travel insurance for loss or damage to your personal belongings whilst travelling. For more information see Travel insurance.

    What isn't covered?

    Anything beyond the maximum amount your insurer says they will pay, and it may pay a maximum amount on single articles. You'll need to specify the value of the contents. Some companies have limits on the value of any one item under the general policy so you'll need to specify individual items such as expensive jewellery or camera equipment, for example. Your cover may also be affected or cancelled if you leave your home empty for a long period of time, or if you let it out. Damage to the building itself is also not covered; this needs to be covered separately with Buildings insurance – see Buildings insurance.

    Keeping costs down

    Many insurers will offer discounts if you have a burglar alarm, window locks or if you're a member of a Neighbourhood Watch scheme. You may also get a deal if you combine contents and buildings insurance.

    Most policies have a standard excess charge which means you agree to pay the first part of any claim, for example the first £50 or £100. If you agree to pay a higher excess you might get a cheaper policy.

    Always compare what's covered by a policy, not just the price – the key policy information will help you do this. Some might be cheaper than others, but they may not offer the same level of protection.

    Level of cover

    Some contents insurance policies offer new for old. This means they'll replace old damaged appliances and possessions with new ones when you claim.

    Bear in mind that your premiums may increase the following year, or the insurance company may refuse to cover you for the same risk if it happens more than twice, for example.

    Benefits Include

    • Accidental Damage Cover
    • Credit Card Misuse
    • Deeds, registered bonds and personal documents
    • No Claims Discount
    • Domestic outbuilding contents (other than garages)
    • Door lock replacement
    • Frozen food
    • Garden
    • Gold, silver, jewellery and furs
    • Money
    • Seasonal / Wedding increase info
    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

    Why Us?

    • NO OBLIGATION QUOTES & ADVICE
    • FAST DECISIONS IN PRINCIPLE
    • BEST HOME MOVER RATES
    • BEST FIRST TIME BUYER RATES
    • BEST REMORTGAGE RATES
    • HOME IMPROVEMENTS
    • HOME VISITS WITHIN LEEDS AND SURROUNDING

    Contact Us

    ADDRESS:


    18 High Street
    Kippax
    Leeds
    LS25 7AB

    TELEPHONE:

    0113 232 2320

    FAX:

    0113 287 2606

    EMAIL:

    advice@advantage-mortgages.com

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    Advantage Mortgage Services (Yorkshire) Ltd is an appointed representative of Openwork Ltd, which is authorised and regulated by the Financial Conduct Authority.

    The information on this website is for use of residents of the United Kingdom only. No representations are made as to whether the information is applicable or available in any other country which may have access to it. Registered address of Advantage Mortgage Services (Yorkshire) Ltd: 18 High Street, Kippax, Leeds LS25 7AB. Registered in England No. 5238006. Directors: Malcolm Proctor & David Sweeney