Home insurance - tips & advice - contents insurance

Your household appliances, from white goods to home entertainment items, can add a substantial amount to the level of contents cover you need. To ensure you have adequate cover for your household appliances, get a quote online from Direct Line.

Direct Line Contents Insurance is designed to cover all your household items including white goods and electrical equipment such as your fridge, freezer or TV. The cover provided is for damage or loss through fire, smoke, lightning, theft, flood and escape of water or oil from any fixed water or heating installation or domestic appliance. If any of your appliances are damaged or stolen, we will replace them on a new for old basis – we’ll even arrange delivery of replacement goods direct to your home if we can.

If you have any valuables in your home worth over £1,500 each, these must be specified on your policy. Direct Line Home Contents Insurance also covers items in your garden up to the total of £1,000 – this could include the barbecue, lawnmower, electric gardening tools or even a freestanding hot tub or Jacuzzi!

We even recognise that you may need a boost in home contents cover during the period over Christmas or during weddings, when appliances may be given as gifts or bought to deal with an influx of visitors and guests. The increase in cover at these times is £5,000 or 10% of the contents sum insured – whichever is greater. Your household appliances such as a computer, TV or microwave are also covered if your children temporarily remove them to take to college or university.

Some electrical appliances – specifically those used for home entertainment – are also covered against accidental damage. Other benefits of Direct Line Contents Insurance include cover against the cost of replacing food spoilt in a freezer, under certain conditions. Plus, as long as you use a professional removal company, your appliances are covered against accidental loss or damage even when you are moving house.

Find out more details about how Direct Line Home Insurance provides cover for your appliances, get a quote or buy online now.