No matter how much care you take to secure your valuables, there’s always a risk that they’ll be lost through no fault of your own. Whether it’s a flood that ruins your furniture, a thief who steals your electronics, or a fire that destroys everything you own – it’s reassuring to know that your items will be covered if anything happens to them.
You can choose from different levels of coverage. A comprehensive policy, with more expensive premiums, would cover most of your household items at replacement value – meaning you get the amount you paid for them. A more budget-friendly policy, by contrast, might just cover items purchased in the last ten years at market value – what they’re worth after taking depreciation into account.
Which option is best for you will depend on the quantity and value of your contents, and other circumstances such as where you live.
Lifetime will strive to find you the widest possible cover at the lowest price. To find out more about contents insurance and which policy is right for you, get in touch with our friendly team today.