insurance

contents insurance

Protecting What’s Inside Your Home and Beyond

While your home may be your biggest asset, it’s often the contents within it that hold the most personal and financial value. Contents insurance covers your belongings against loss, theft, or damage, offering financial protection when the unexpected happens.

From everyday essentials to luxury items, we’ll help ensure everything you’ve worked hard for is properly covered.

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What’s Typically Covered

Contents insurance protects the movable items within your home, including:

  • Furniture, clothing, and furnishings.

  • TVs, electronics, and appliances.

  • Personal belongings such as jewellery, watches, artwork, and valuables.

  • Items temporarily taken outside the home (e.g. laptops, cameras, briefcases).

  • Optional cover for accidental damage caused by spills, drops, or breaks.

Policies vary by provider, so it’s essential to review cover limits, exclusions, and optional add-ons to make sure your most valuable items are adequately protected.

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What’s Not Covered?

While contents insurance offers broad protection, there are limitations to be aware of:

  • Single item limits may apply. High-value items (e.g. fine jewellery or art) should be listed separately.

  • Unoccupied properties or short-term letting can affect your cover.

  • Building damage is not included; this requires a separate buildings policy.

  • The cover is subject to a maximum claim limit, so it’s vital to ensure your insured value reflects the true worth of your belongings.

We’ll guide you through the details so there are no surprises at claim time.

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Keeping Costs Down Without Cutting Corners

Many insurers offer reduced premiums if you:

  • Install security measures like burglar alarms or window locks.

  • Belong to a Neighbourhood Watch scheme.

  • Take out combined buildings and contents insurance through the same provider.

  • Opt for a higher excess, meaning you’ll pay more in the event of a claim but benefit from lower monthly premiums.

We’ll help you strike the right balance between cost and cover so you don’t end up underinsured or overpaying.

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Choosing the Right Level of Cover

Some policies offer ‘new for old’ replacement, ensuring that if something is lost or damaged, you receive a brand-new replacement rather than the item’s current value.

Bear in mind:

  • Premiums may increase after a claim.

  • Repeated claims for similar incidents could limit future cover.

Our advisors can help you determine whether new-for-old cover, accidental damage protection, or high-value item protection is suitable based on your lifestyle and property needs.

Benefits can include:

Accidental Damage Cover

Frozen Food

Garden

No Claims Discount

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Door Lock Replacement

Money

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Deeds, Registered Bonds and Personal Documents

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Domestic Outbuilding Contents (other than garages)

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Gold, Silver, Jewellery and Furs

Why Work With Us?

At Bakerhill Associates, we take a personalised approach to contents insurance, ensuring your policy reflects both the financial and emotional value of your belongings. With access to a wide panel of providers, we help you:

  • Avoid gaps in cover.

  • Secure competitive premiums.

  • Protect your most treasured possessions with confidence.

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Get peace of mind knowing everything under your roof is properly protected.

Speak with our team today for tailored contents insurance advice.