Contents are all movable items in a home, such as furniture, clothing and electrical appliances. Fixed items such as bathrooms and kitchens are not included. Additional insurance may be necessary for particularly valuable items such as works of art or expensive sports equipment.

Contents insurance covers theft damage that occurs in your own home as a result of burglary. However, if personal property, such as a cell phone, is stolen elsewhere, additional cover for simple theft away from home is required.

Damage caused by certain natural events such as storms or lightning strikes is covered as standard. Others, such as earthquakes, are often not included and should be checked.