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Your contents insurance policy covers the contents of your home against risks which are clearly defined in your policy documentation. Contents policies normally have a valuables sections including liability insurance, legal expenses and freezer contents. This extra cover may add to the cost of your premium.
A good way of reducing the cost of your contents cover is to make every effort to prevent theft from your home. Some insurers will offer a premium discount if you have an agreed level of security (5 lever mortice locks on external doors window locks on ground floor windows etc). By making no claims on your policy you may also be entitled to a no-claim discount when your policy is due for renewal. Insurance companies have to make sure that their premiums match their claims experience in a particular area.
Your postcode is therefore important both for buildings and contents insurance. Insurers may find that your postcode area is more prone than others to losses from theft for example so by fitting extra security to your home such as an insurance approved alarm it is possible to make substantial savings on your cover. When you take out contents insurance the specified "sum insured" is the maximum amount your insurer will pay out in the event of a claim. It must be the full cost of your personal property to be covered by your contents policy for the worst case scenario of a total loss.
UK home insurance policies differ in the cover they provide and in their acceptance terms and conditions. The information contained on this site is of a general nature - for detailed information you will have to read your policy documentation or consult your insurance advisor when you take out cover.