Grabo

Member
Contents or items insurance is usually aimed towards tenants, although is actually an insurance policy that everybody should look at being a minimum level of cover.
If you are rent a house or property, your landlord will be responsible for covering the building itself, but not your valuables. This need to be verified in your tenancy contract.

Contents cover protects your personal belongings in case they are damaged by fire stolen. It can also cover natural incidences such as water damage. Insurance providers consider contents as the items you needed to take along with you if you are to relocate to another house.

Contents insurance policy usually covers:
  • clothing and jewelry
  • Notebook computer, mobile phone, TELEVISION)
  • Home furniture
If you want to make a claim, there are a number of ways the insurance firm can pay out:
  • Replace the items with the same or similar items
  • pay the money equivalent
  • Fix the damage caused to the items
 

Mandy96

Valued Contributor
I think this kind of insurance is important if you know that your items are valuable or previous to you, because those are the reason why one could think of insuring anything, but I don’t think it is mainly meant for tenants alone, even the landlord can choose to get it
 
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