Considering the amount of effort we put into finding and buying (or renting) our perfect house, then furnishing it with carefully chosen furniture, fixtures and fittings and next making it all secure, it is shocking when taking out home insurance how little effort we put in.
Unfortunately, it is usually only after the event that people discover that their belongings are not covered as part of their home insurance policy. By this point, it is too late to do anything other than reluctantly accept that you have lost a significant amount of money, before dealing with the matter of paying out for replacement items.
The whole process can be extremely soul destroying. Laying out huge amounts of cash for things you already had when you're already suffering a loss. Usually it is a burglary or damage to a house because of flooding, for example and so there are extra costs for security or maintenance on top of these expenses.
However, if you haven't already got contents insurance, it is not too late to get yourself covered. All you need to do is work out how much to insure yourself for based on the cost of what it would take to replace all of your furniture and possessions. It is usually a good idea to think what you would take with you if you moved house in order to get a clear picture of what to insure.
You can typically expect the insurer to provide a list of what's covered by contents insurance to as well as what's not covered so as to avoid confusion. This is generally things such as damage to belongings through fire, flooding, theft or vandalism, replacement locks and any items of significant worth around the house (eg: jewellery, art, expensive electrical equipment) but also things such as the fridge and its contents.
Some home insurance quotes will advise on safeguarding your contents with a tailor made package which can also include optional extras to cover for accidental damage as well as things such as worldwide cover for items outside the home and the choice to vary your excess. Whatever arrangements you make with your insurer, you can guarantee that it'll be a step closer to securing your belongings than you were without it.