5 reasons you should take out home contents insurance

As the saying goes, ‘your home is your castle’, especially when you’ve got all of your treasured possessions around you. But what if a flood or a fire damaged your things, you accidentally got locked out of your home, or your home got burgled? That’s where home contents insurance comes in, and here are five reasons you should consider having it: 

1. It makes replacing your belongings a little easier

• While it can’t bring back your original items, it can help make it more affordable to replace them. Home contents insurance can give you some peace of mind, in what’s already a very stressful time.

2. It can give you peace of mind 

• Home contents insurance policies* cover the widest range of items, from clothes, games consoles, jewellery and furniture to carpets and even your washing machine and fridge freezer.

3. It can help you in unexpected circumstances

• For instance, if you get locked out because you can’t find your keys or there’s a power cut and your freezer full of food defrosts in the meantime...

4. It can be designed to meet your needs

• You may just want to be covered against fires, theft and floods or choose a higher level of cover for things like accidental damage. Just remember – different levels of cover involve different costs, so make sure you find cover that's right for you.

5. It can be paid for in instalments

• Most home contents insurance policies can be paid monthly, which means you can spread the cost over 12 months and then either choose to renew the policy or switch to another provider.
• For more information about home contents insurance, including the low cost cover we offer, thanks to our partnership with Royal & Sun Alliance, visit: Home contents insurance - Midland Heart

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^{* Home contents insurance policies vary depending on the provider, so make sure you check the small print to see exactly what’s covered and the cost.}.