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Halifax Home Insurance Select underwritten by Lloyds Bank General Insurance Limited.
Contents insurance protects against the cost of repairing or replacing your household goods and personal belongings when they're in your home. You'll be covered if they're stolen, or damaged by events such as fire, flood and storm.
Contents insurance does not cover your home’s fixtures and fittings, like windows and walls. You will need buildings insurance to protect against the cost of damage to the structure of your home. Limits, terms and exclusions apply to all contents insurance policies. Check out yours to find out what is and isn’t covered.
Our policy documents tell you more about what is and isn’t covered with Halifax. Keep in mind that with all of our cover, there are limits, terms and exclusions. Read the policy documents.
If something happens at your home, like a theft, fire or flood, and your things are stolen or damaged, you can claim for the cost to replace or repair them. For instance, if there's a fire and your TV and games console are destroyed, contents insurance could mean you can claim for the cost of repairing any damage. If they can't be repaired, you may be able to get a new item or money to replace them.
You'll pay monthly or yearly to cover the items set out in the policy. This is called a premium.
You can get contents insurance by itself or get it together with buildings insurance. This can provide cover for your home and what’s inside.
Contents insurance can be a handy way of protecting you from nasty surprises.
If your home is broken into and your belongings are stolen, it would cost a lot to replace everything yourself. Contents insurance can offer peace of mind knowing that you may be able to claim for the cost of your stolen or damaged items.
Contents insurance may cover the following for theft, or damage caused by things like floods, fire or storms:
The structure of your home and the fixtures and fittings all come under buildings insurance.
Your items are only covered by contents insurance when they are in your home. So if your mobile phone is lost or stolen when you’re out, it won’t be covered. You can add extra cover to your policy to cover personal things away from your home.
The same goes if you leave your home for a long period and someone breaks in. This might mean your claim is invalid. You’ll need to check your policy to see how long you can leave your property empty for.
Other things that may not be covered by contents insurance includes:
Yes. You can make a claim on your contents insurance if your items are damaged in a fire.
No. Your home’s fixtures and fittings are covered by buildings insurance. This type of cover protects against damage to your house, such as walls, pipes and roof. It also covers your home’s fixtures and fittings like your fitted bathroom or kitchen.
It’s a good idea to take out contents insurance if you’re a tenant. You won’t need buildings insurance if you rent, as your landlord should cover this.
Yes. Contents insurance will cover your jewellery in your home if it's stolen, or damaged by things like floods, fire or storms, up to a certain amount. You may need to name your items of jewellery on your policy. You're likely to need extra cover to cover these items away from your home.