Contents insurance

You should get a policy sorted as soon as you move into a new home.

• Start cover before you move your boxes in.
• Check your policy when buying expensive new gadgets.
• Renew your cover every year to stay protected.
• Get extra cover if you work from home.
• Look for student policies when moving into halls.
• Update your insurer if you improve home security.

A broker will help you find the right deal over the phone or online.

• Tell the broker the total value of your things.
• Give details about your door and window locks.
• Share any insurance claims from the last five years.
• Compare different prices and terms with your professional.
• Set up your payment to start the cover.
• Receive your policy documents via email instantly.

Having insurance gives you peace of mind every single day.

• Replace stolen items without using your savings.
• Get help with costs after a fire or flood.
• Protect your phone even when you are out.
• Cover your bike if it is stolen nearby.
• Sleep better knowing your belongings are safe.
• Avoid the stress of sudden, big replacement bills.

Your professional will ask simple questions to help calculate your risk.

• They need to know your home's postcode.
• They will ask about your job and hobbies.
• You must list very expensive single items separately.
• They will check if the home is often empty.
• Expect questions about smoke alarms and security sensors.
• They will ask if you want accidental damage.