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Contents insurance is as the name suggests a policy to cover the items in your home that can be removed; such as clothing, appliances, jewellery and furniture for example. It is possible on a contents insurance policy to cover items that are removed from your home like the contents of your bag or a bicycle and some policies will also allow you to cover the contents of your freezer if the power should go out. As with any insurance policy always check that the contents policy covers everything you require cover for and make sure you are not paying for things you don’t need. For instance if you don’t have a shed or bicycle make sure you are not paying extra for this cover!

Remember that if you own your own home you may also need buildings insurance which covers the building structure against damage or even covers the cost of rebuilding your home. If you require both types of home insurance it is perfectly acceptable to purchase these two policies separately or from the same provider. If purchasing together you may even be able to secure a discount though it may still work out cheaper purchasing separately. Always double check and read the small print when taking out any insurance and know that if you need to claim you will be covered. Wisebuy searches leading insurance providers to find the best quote for you.