A home insurance policy is the ultimate protective measure that you can incorporate into your home. While safeguarding the walls and floors of your home, do not overlook the additional layer of safety offered by a home insurance policy. Acquiring a home is a significant milestone, so do not leave any stone unturned in making it your secure haven. A home content insurance policy, simply put, offers protection for the valuable possessions that you keep within your home.
Home content insurance chiefly covers the cost of repairing or replacing these valuable items should they be damaged in a fire or natural disaster, or if they are stolen. Although a bank locker may appear to be an option, not all of your valuable items can fit into a locker. Therefore, to remain worry-free and calm, you need a home insurance policy that includes coverage for all these belongings.

Let’s explore what a home content policy covers.

1. Fire:
   In the event of an unexpected fire that damages the house’s contents, the repair or replacement will be financed by your insurance provider.
   
2. Accidental Damage:
   Any unintended harm that occurs to the contents of the house will be compensated.
   
3. Other Damages:
   Damages to the house’s contents that may result from lightning strikes, overflowing or bursting water tanks, etc. , will be included.
   
4. Theft and Burglary:
   Theft can result in considerable financial loss, just like a terrorist or anti-social act. Such losses will be covered by your insurance provider.
   
   What is included in home content insurance?
   
   Numerous items are included in home content insurance, and you must review this before you make a purchase. For the best possible advantages, compile a list of all the items you want to protect and insure.
   
   Refer to the list below to ensure your desired items are included.
   ● Jewellery and Precious items:
   Jewellery and gemstones are not only valuable but also hold sentimental value for their owners. These are items that you do not acquire frequently, and they require additional care and protection. A home content cover can provide that essential special protection.
   ● Fixtures and Furniture:
   Fixtures and furniture are not merely utilities but also enhance the aesthetics of your home. Your sofas, beds, wardrobes, and other items will be compensated for if they are stolen or damaged.
   ● Electronics:
   Homes contain several electronic devices like TVs, refrigerators, microwaves, dishwashers, vacuum cleaners, washing machines, etc. , which facilitate a comfortable living. These are not only essential but also quite expensive, and they are covered by the home content policy.
   ● Property of live-in employees:
   The belongings of your live-in employees and guests residing in your house can also benefit from this coverage. Their possessions are included under this policy.
   ● Gadgets and Cellphones:
   In addition to larger electronic devices, portable gadgets also come with a high price tag and need coverage. Gadgets like mobile phones, laptops, cameras, gaming consoles, tablets, etc. , are indeed essential items that are also protected under home contents cover.
   ● Cycle:
   A pedal cycle is another item that falls under the home contents coverage and is protected in the event of any damage or loss.
   ● Other Items:
   In addition to the items listed previously, there are several items that are included such as sanitary fittings, electrical fittings, cutlery, crockery, clothing, drapery, artwork, etc.
   
   These are some items that are likely to be insured under home content insurance. Jewellery and precious metals are at the highest risk, which is why they are guaranteed to be included. Aside from this, cell phones or smartphones are commonly found in every household, and they are considered essentials for everyone’s life. Therefore, this policy also covers cell phones. Additionally, some possessions of your guests and live-in employees are also covered.
   
   What does not fall under home content insurance?
   
   A single policy cannot include everything, and this is one significant truth about every insurance policy. To this end, home content insurance is no different.
   
   Let’s examine what is not covered by a home content insurance policy:
   
   ● Animals
   ● Motor vehicles
   ● Properties that are already insured.
   
   Do not confuse Home Insurance with Home Content Insurance:
   
   Home insurance and home contents coverage should not be mistaken for one another as these are two distinct policy covers. Although they may seem similar, they provide different types of coverage. On one hand, a home insurance policy protects the structure of your home. If the building’s structure is damaged, this policy offers the necessary support to repair or rebuild the structure. A home content policy, in contrast, safeguards the valuable movable items within your home such as furniture, electronics, jewellery, etc. These items can be relocated, unlike the home structure.
   
   Conclusion
   
   A home contents insurance is a wise choice to keep their possessions safe and secure within the home, and it acts like a secure lock located inside your home. Acquiring new jewellery can be quite expensive, and you may not replace it once lost, but it becomes feasible and more manageable when you have home contents insurance. Therefore, if you haven’t purchased it yet, don’t hesitate and get a home contents insurance coverage for your home.
   
   Disclaimer:
   The above information is for illustrative purposes only. For further details, please consult the policy wording and prospectus before finalizing the sales.