Home insurance - Tips & Advice - Contents insurance
Do you know how much your home entertainment equipment is worth? You could be surprised, especially if you are not covered by adequate home insurance and a situation arises such as fire or theft where you have to foot the bill to replace it all…
Home entertainment systems such as TVs, hi-fi equipment, personal stereos and computers are now the norm in many homes around the UK. Given advancements in technology and consumer demand for the latest hi-tech gadgets, it is not unusual to find more than one of any item in many homes. For example, a family of five may own several televisions and computers, and each member of the family may have a personal stereo.
There are good reasons to make sure you have adequate insurance for home entertainment equipment. Many of these items can be expensive on their own – a computer, TV or state-of-the-art hi-fi system can easily cost over £1,000 – and when you add all these together the total signifies a huge investment – one that you should protect.
Direct Line and home entertainment equipment
With Direct Line home contents insurance you automatically have cover for home entertainment equipment as part of your home contents policy. This cover is given as standard in case of fire, theft, flood, smoke, lightning and escape of water or oil. If a claim is made on any of these items, they will be replaced on a new-for-old basis, as per our terms and conditions. You should make sure that you file any relevant receipts safely in case you need to make a claim. Taking a photo of these items can also help to process a claim.
Our home contents insurance also provides cover for items that have been temporarily removed from the home – for example, when your children go to college and take their TV or laptop with them.
We also give you an automatic increase in contents cover several weeks either side of family weddings and Christmas. This is a great bonus as you could expect to have more home entertainment items in your home at these times.
For times when you may take home entertainment items, such as laptops, personal stereos or cameras, out of the home, you could also benefit from our additional personal possessions cover. This is ideal if you are going on holiday or transport these items regularly for work.
Read our article on computer insurance, to find out more about how our home insurance can cover your PC, laptop and other computing hardware. We also have more information available on television insurance and home appliance insurance.
So, if your home contents are covered by Direct Line, there may be no need to pay out twice to insure home entertainment equipment. Apply online for a Direct Line home contents quote today.
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