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  • Writer's pictureAmanda Bird

The Different Things Usually Covered by Contents Insurance

A certain insurance policy, called contents insurance, may cover your belongings if they are damaged by fire or stolen by burglars. That said, they ensure that whatever happens, you would not be left with nothing once something unfortunate and sudden happens.

Understandably, you wouldn't know the coverage unless you ask about it upon your insurance application. But, to give you a head start, look no further than the following examples of contents insurance coverage below.

1. The Amenities Affected by Fire

Fire could wreak havoc on your home, burning everything in its way. But what is often overlooked is the damage that this devastating element could also cause to your furniture, appliances, and your prized possessions.

This is where contents insurance comes in. It is important insurance that would cover all your damaged or destroyed items due to fire.

2. Household Appliances, Television, and Sound Equipment

If your house is destroyed by fire, the insurance will cover the cost of the repair or replacement of your household appliances and television equipment, such as a video recorder and a DVD player. Moreover, the insurance will also cover the repair or replacement of your sound equipment if any of your audio units are affected as well.

3. The Safety of Your Belongings

Another noteworthy aspect of contents insurance is that it covers the replacement of your belongings that are stolen by burglars. It also covers the costs of repairing the damages caused to your belongings by burglars, such as damaged locks and broken windows.

A good contents insurance policy should also cover the costs of repairing your items if they are stolen but are not recovered. This is due to the fact that it is common for burglars to break the locks of your house or business and take your belongings -- but never return the items.

4. Personal Possessions

The personal possessions of your family members are also covered by contents insurance. For instance, the insurance would pay for the cost of repairing or replacing your children's damaged or insured items, such as a damaged DVD player or a lost toy. The contents insurance also covers the costs of repairing or replacing goods that are stolen from your children's bedrooms.

5. Jewellery

If you have valuables in your home, contents insurance also covers these. This kind of insurance will pay for the loss of your belongings, including your jewellery if they are stolen or damaged.

6. The Contents of Your Car

If the vehicle your family uses, like the family car, is destroyed by fire, contents insurance will cover the cost of repairing or replacing your car. That is, your car is insured.

7. The Contents of Your Travelling Bag

If you plan to go on a vacation, contents insurance is one of the most valuable insurance policies that you should buy. That is, contents insurance will ensure that no matter what happens to your luggage or travel bags, your valuables are taken care of.


As a homeowner, contents insurance is a good investment for you and your family. After all, it serves as protection from the theft or damage of your belongings.

Remember, the risk of having your home damaged by fire or burglarized is greater than you think. If a fire or burglary occurs and you don't have contents insurance, you may be at a loss and be left with nothing. So if you have anything of value, contents insurance may be the best insurance for you.

If you are looking for a great source of home and contents insurance, look no further than what we have to offer here at New Wave Insurance. We help you find the right insurance for your assets, business, and vehicles. Call us today for more information about our insurances and their equivalent coverages.

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