Contents insurance
Your home is so much more than bricks and mortar. Protect your most valuable & meaningful items including appliances, furniture, and jewellery with our home contents insurance, keeping you covered in worst-case scenarios.
- Our home contents insurance protects your possessions against dangers such as fire, theft, storm damage, and more
- Make your insurance work around you by choosing optional add-ons like accidental damage cover, possessions away from the home, and business equipment cover
- We’ll insure any of your valuables up to a worth of £2,000, so you don’t have to worry about a massive hit to your wallet!
- Cover against fire, water & storm damage
- Cover against theft
- £5,000 tenant’s liability cover, great news for renters
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1) What is home contents insurance?
Home contents insurance covers the items in your home against loss, theft, or damage. Whether you’re looking to protect the sofa you flop onto after a long day, the kettle that gives you your morning cuppa, and any high value items that you saved up for, the Homebase home contents insurance is here to give you exactly what you need. Everything in your home plays a part in your life, both big and small, which is why we’ve worked hard to offer you the most complete coverage.
Our coverage doesn’t stop there! Your home & contents policy might also cover you against accidental damage, cover your business equipment, or cover your possessions while out of the home, depending on any extensions you might have purchased. The specifics of your own personal cover are up to you; just have a look at your documentation for more info.
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2) What’s covered by my home contents insurance policy?
We’ll cover the contents of your home against damage caused by theft or attempted theft; escape of water/oil; storms or floods, as well as subsidence, landslip, and heave – essentially damaging movements in the ground.
You’re also covered against things you may not have thought of, such as being hit by aircraft and flying objects, as well as anything falling from them (yes, really); vehicles or animals, and fire, explosion, earthquake, lightning, and smoke. That all might sound a little dramatic, but we call our cover comprehensive for a reason!
If you’ve purchased our accidental damage extension, your policy will also cover the contents of your home against any accidental damage. Business equipment cover will protect any work-related equipment you have in your home such as computers and tablets. Finally, out-of-home cover will extend your contents insurance to protect your possessions even when you take them away from your home.
For a full breakdown of what’s covered by your policy, please check the policy wording you received at purchase.
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3) What’s not covered by my home contents insurance policy?
You can find a full list of exclusions in your policy wording, but in general, our home contents insurance doesn’t cover wear and tear, deliberate damage, pet damage, or any viruses on your computer – even if the computer is otherwise covered.
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4) Can I take out a home contents insurance policy as a renter?
Yes, we strongly encourage you to take out a home & contents insurance policy if you’re renting. As a renter, the contents of your home are arguably more important to you than they are to homeowners, especially if your furnishings are all your own.
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5) Do I get accidental damage cover as part of my home contents insurance policy?
You can get accidental damage cover, but it isn’t automatically included in the basic home & contents cover provided by Homebase. If you want your possessions to be covered against accidental damage, you’ll have to opt for our accidental damage cover extension.
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6) Do I get cover for my personal possessions even if they’re away from my home?
Yes, but you’ll have to select our ‘personal possessions away from home’ add-on when purchasing your policy.
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7) Can I get cover for my business equipment?
Business equipment cover comes as an add-on. If you’d like to purchase cover for equipment used for work – for example, your home office – make sure to opt for our ‘business equipment cover’ extension at purchase.
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8) Do I get cover for my contents while I’m moving homes?
Yes, we cover your contents even when you’re moving home – as long as you’re moving within the UK.
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9) Is pet damage covered by my home contents insurance policy?
No, we’re afraid that pet damage is not covered by your home contents insurance policy.
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10) I have an item worth more than £1,000; will it be covered by my home contents policy?
Yes, your item will be covered! However, you’ll have to specify the item – i.e. what it is and how much it’s worth – when purchasing your policy. Any item that’s made of gold/precious metals or is either jewellery, stamps, medals, furs, watches, or works of art (otherwise known as a ‘valuable’) can only be covered if its value is under £2,000.