| A standard home insurance policy will include… | A good home insurance policy will give you… |
| Cover for valuable items such as jewellery, cameras, TVs, computers, antiques etc | £12,000 or more in cover Usually, there’s an overall limit on the amount your insurance company will pay for ‘high-risk items’. These are usually items such as jewellery, pieces of art, watches and laptops. |
| Money in your home – this will cover any cash that you keep at home against theft or damage. | £500 or more Credit cards are not covered – cover for these is separate. |
| Food in your freezer – if your fridge or freezer breaks down and the contents are ruined, your home insurance covers you for the cost of replacing the contents. | £300 or more However, you won’t be covered if the damage was done deliberately. |
| Contents in the open – your insurance cover will include loss or damage to contents left outside but within the boundaries of your home such as garden furniture and ornaments. | £500 or more Plants and bushes aren’t included. |
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A standard insurance policy should cover you for contents kept in a garage or outbuilding. |
£2,000 or more It’s important to note that you won’t be covered if your home has been unoccupied for a stated amount of time. |
