A typical home contents insurance policy will protect your possessions against loss or damage due to a variety of events like theft, fire, storms, water leaks and subsidence. Cover will vary from policy to policy, so always check the details when you get a contents insurance quote.
Accidental damage, for example red wine spilt on a sofa, isn’t typically included in contents insurance, but may be available as an add-on. Many insurance providers offer other optional cover, like legal expenses and home emergency assistance.
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Contents insurance policies vary between home insurance providers, so check the level of cover offered by yours before you consider adding extra cover.