{"id":2400,"date":"2019-05-24T13:05:59","date_gmt":"2019-05-24T13:05:59","guid":{"rendered":"http:\/\/www.helloacasa.com\/acasa-blog\/?p=2400"},"modified":"2022-05-16T15:43:31","modified_gmt":"2022-05-16T14:43:31","slug":"a-beginners-guide-to-contents-insurance","status":"publish","type":"post","link":"https:\/\/www.helloacasa.com\/acasa-blog\/2019\/05\/24\/a-beginners-guide-to-contents-insurance\/","title":{"rendered":"A beginner\u2019s guide to contents insurance"},"content":{"rendered":"

Contents insurance is a bit of a mystery to a lot of people, particularly young renters. It\u2019s often put on the \u201cI\u2019ll sort it out later\u201d pile and then never gets done, or is seen as a bit of a luxury best saved for later in life. What you might not know is that contents insurance is actually really helpful for renters – especially if you\u2019re living with friends, and it can protect your savings in a big way. Unless you\u2019re going for the really premium policies, it doesn\u2019t have to (and shouldn\u2019t) break the bank.<\/p>\n

So, what is contents insurance? It\u2019s pretty simple – it protects everything that you own which isn\u2019t a fixed part of the property. An easy way to think about it is to imagine tipping your home on its head. Everything that falls out is considered to be part of your contents, this includes any freestanding fridges, bathroom cabinets, etc. Everything which stays in its place like flooring or the built-in-oven is part of the building. If you\u2019re renting, you don\u2019t need buildings insurance.<\/p>\n

Basic contents insurance will cover your stuff against theft, fire and flood – if you buy with Urban Jungle then tenants liability insurance is also included as standard. This covers your landlord\u2019s fixtures and fittings against accidental damage caused by you, it can come in really handy for avoiding deposit deductions. All policies offer optional add-ons, such as cover away from the home or for high value items. A lot of people don\u2019t realise that they can cover their phones, gadgets, and bikes on their contents insurance – so there\u2019s no need to have a separate policy for all your things.<\/p>\n

If you\u2019re living in a shared property (in insurance, this means a property of 3+ unrelated tenants<\/strong>), then things can be a little tricky when it comes to getting good cover. It\u2019s generally a little easier if you\u2019re living with one other person, or with family. If there are three or more of you, you\u2019ll probably find that a lot of insurers just won\u2019t cover you, or will charge you an arm and a leg. That being said – all is not lost, there are a few specialists out there, you just need to know where to look (and what to look for). Urban Jungle has a guide to shared contents insurance<\/a>, if you want to find out more.<\/p>\n

The big question on everybody\u2019s lips is how do I find a great deal?<\/strong> Well, this might not be what you want to hear, but the cheapest deal isn\u2019t always the best deal. We agree that paying less is always a plus, but you don\u2019t want to end up under-insured or caught out by some sneaky fineprint. A good place to start is to figure out what cover you really want – it\u2019s all well and good getting a cheap policy, but not if it doesn\u2019t actually cover you for the stuff you really care about. If you know you\u2019ll want out of home cover, or that you\u2019ve got some valuable jewellery, then covering that should be a priority.<\/p>\n

Price comparison sites can be a really good starting block if you\u2019re not sure what\u2019s available. Do be aware of dual pricing, though, as you could be seeing different prices on different sites. Something to bear in mind is that they can be more time consuming than going straight to the insurers themselves. If you\u2019re after a quick quote, you can get one from Urban Jungle in just 7 questions.<\/p>\n

Hopefully this has cleared up most of your questions about contents insurance, and if you have anything else you\u2019d like to know then head to Urban Jungle and ask the team there! We know that insurance can be really confusing, but Urban Jungle\u2019s<\/a> here to simplify it, put it into plain English, and take the pain out of insurance once and for all.<\/p>\n","protected":false},"excerpt":{"rendered":"

Contents insurance is a bit of a mystery to a lot of people, particularly young renters. It\u2019s often put on the \u201cI\u2019ll sort it out later\u201d pile and then never gets done, or is seen as a bit of a luxury best saved for later in life. What you might not know is that contents […]<\/p>\n","protected":false},"author":2,"featured_media":2132,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8,13,15],"tags":[],"class_list":["post-2400","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-maintenance","category-moving","category-personal-finance"],"yoast_head":"\nA beginner\u2019s guide to contents insurance - acasa Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.helloacasa.com\/acasa-blog\/2019\/05\/24\/a-beginners-guide-to-contents-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"A beginner\u2019s guide to contents insurance - acasa Blog\" \/>\n<meta property=\"og:description\" content=\"Contents insurance is a bit of a mystery to a lot of people, particularly young renters. 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