The contents insurance cover does not just cover the physical structure but also extras such as damages by theft, by fire and so on. This one covers the furnishings in the house. If you have fridges, TVs, other electronics, heirlooms and so on, you will need to get this cover, irrespective of whether you are a tenant or a landlord. In addition, contents insurance covers fire, earthquakes and lightning as well as flood damages, water leakage and storm.
Guide to Finding the Right Contents Insurance Policy
It makes a lot of sense to insure the contents of your home. Contents insurance - unlike buildings insurance - isn't compulsory, but most of us would struggle to replace our precious possessions if they were stolen or damaged by fire or a flood.
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