If you don't mind answering, who do you have your insurance with and how much do you pay? I've got to get some today and have no idea what i'm doing and how much it should be. Also should I get accidental damage cover? and how much should my voluntary excess be?

thanks in advance

We've got buildings and contents and pay around £300ish a year for both.

Personally I would only have accidental damage, it's such a better cover and especially with 2 little ones it's invaluable.

As for excess, I've never gone with a voluntary excess, companies usually have a compulsory excess of between £50 -£100 (the ones I deal with anyway - some may have more).

The other thing to consider is 'All Risks' or Personal Belongings', which is cover for items that you usually take while out and about (handbag, purse, mobile phone, jewellery, even covers luggage), usually £3,000 of cover.

I pay £64 a year for mine. I didnt bother with accidental damage cover because we dont own anything expensive that we cant replace. SO it is literally just incase theres a fire or we ger robbed x

Thanks ladies. I got some info about national housing federation and got insurance through their scheme. Think it's aimed at people in housing association property. Was £69 a yr with accidental so think it was a good deal, search I did with comparison website was showing much much higher quotes

i think i pay about 80 a year and thats with the AA

ours is £180 with esure thats building and contents x x

we pay 12pound a month, we pay abit extra due to russ's pc

Its £35 a month - thats covers everything like shed contents, bikes, personal items in car, bags ... literally everything they offer! Thats for a 3 bedroom detached

^Thats a lot Lisa but guess it covers a lot. We don't have anything that valuable

Yeh it covers everything lol not just in the house but outside too and when i go out of the property

I think im being robbed!!! Or have insured way too much!

Mine is for contents only and is £175 a year!

It covers -
Accidental damage
£750 locks & keys
£1000 Trees and shrubs
£50,000 contents of property
£10,000 high risk items
£1000 personal documents
£500 cash in home
£500 visitors belongings
£3000 contents of garage (I have bugger all in it!)
£1000 wedding gifts (not getting married?)
£1000 Christmas presents
Contents sum for oil or metered water lost (we dont have water meters!)
£10,000 tennants liability (?)
£10,000 tennants improvements (?)
Contents sum for lost freezer food
£10,000 for short term accomodation costs
Entire costs of anything lost in a removal van
£2000 for contents in the open
£2 million legal liabilty as occupier
£10 million pounds liability to domestic employee's ???
£3000 unattended car
£2000 personal belongings out and about
£500 cash when out of house
£7500 personal belongings oversea's

NOT insured for legal expenses

Erm wtf am I insured for all that for???????? We live in a furnished rented house! Is that normal to be covered for all that???? I just renewed it last week and just accepted the quote as they said it was the cheapest for what I needed!

I only insured for £9000 worth of contents. I added things up - laptops, phone, sofas etc and it really didn't add up to a lot. That dropped my quote a bit.
I didn't do things outside the house like shed/garage (we have a outside cupboard but nothing of value in there).

I didn't go through half the things your list mentioned Snoops. Sounds like yours it very comprehensive, but might be worth reviewing it as you might not need to cover all of those things.

Iv read through it and think im insured for £50k total contents & then they break it down into all those categories....

We literally own electrical things eg TV/DVD/laptop/camera/phones etc, cot, prams, clothes, toys, kitchen things like plates, kettle, toaster, ornaments, CD's/DVD's.... How the heck I decided that was worth £50k 2 years ago is beyond me!

The landlord owns beds, sofa's, cooker, fridge, freezer, microwave, dishwasher, washing machine, tables, lamps. Most things in garage are his eg tools/paint etc Outside we have trampoline and a few cheap plastic toys but £200 would cover it.

Prob too late to change as only renewed recently. Bugger!!!

Snoops you've got what is called 'blanket' cover where you're covered comprehensively as standard (so you wouldnt be able to delete any aspects as they are just part of the policy), the policies are basically to fit a wide range of tennants/homeowners and are usually just rated on 'risk factors' rather than cover if that makes sense??

Shell wrote:

I only insured for £9000 worth of contents. I added things up - laptops, phone, sofas etc and it really didn't add up to a lot. That dropped my quote a bit.
I didn't do things outside the house like shed/garage (we have a outside cupboard but nothing of value in there).

I didn't go through half the things your list mentioned Snoops. Sounds like yours it very comprehensive, but might be worth reviewing it as you might not need to cover all of those things.

Honestly hun thats a really low sun insured, its not just the big things you need to consider, if you imagine (heaven forbid) that the entire property and contents went due to fire etc. you would have to replace EVERYTHING even down to your toothbrushes, cover is also new for old so even if you paid, for example, £100 for second hand sofas the cost to replace would be alot more. You're also responsible for the carpets too so for every room that would soon add up. xx

Susan,Libby&Dexter wrote:

Snoops you've got what is called 'blanket' cover where you're covered comprehensively as standard (so you wouldnt be able to delete any aspects as they are just part of the policy), the policies are basically to fit a wide range of tennants/homeowners and are usually just rated on 'risk factors' rather than cover if that makes sense??

So do you think im over protected or its quite a good/wise policy? I get the blanket thing as there is no way I sat 2 years ago and asked for shrubs to be covered . I do remember however agreeing that £50k would cover everything - hey if there's a fire im claiming we dress head to toe in designer clothes!

Susan,Libby&Dexter wrote:

Shell wrote:

I only insured for £9000 worth of contents. I added things up - laptops, phone, sofas etc and it really didn't add up to a lot. That dropped my quote a bit.
I didn't do things outside the house like shed/garage (we have a outside cupboard but nothing of value in there).

I didn't go through half the things your list mentioned Snoops. Sounds like yours it very comprehensive, but might be worth reviewing it as you might not need to cover all of those things.

Honestly hun thats a really low sun insured, its not just the big things you need to consider, if you imagine (heaven forbid) that the entire property and contents went due to fire etc. you would have to replace EVERYTHING even down to your toothbrushes, cover is also new for old so even if you paid, for example, £100 for second hand sofas the cost to replace would be alot more. You're also responsible for the carpets too so for every room that would soon add up. xx

I remember adding up just shoes and clothes and was shocked how much it would take to replace - also things like CDs DVDs Books people tend to forget about - although small in value per item a collection can cost an awful lot to replace. We have over £1500 just of bikes - which is why I got that extra!

i really must not have much cause i included flooring/clothes/other little things and it still didnt come to much..

I have no idea what we pay, but we break a lot of laptops and they tend to get replaced by the insurance company x

snoopy21 wrote:

Susan,Libby&Dexter wrote:

Snoops you've got what is called 'blanket' cover where you're covered comprehensively as standard (so you wouldnt be able to delete any aspects as they are just part of the policy), the policies are basically to fit a wide range of tennants/homeowners and are usually just rated on 'risk factors' rather than cover if that makes sense??

So do you think im over protected or its quite a good/wise policy? I get the blanket thing as there is no way I sat 2 years ago and asked for shrubs to be covered . I do remember however agreeing that £50k would cover everything - hey if there's a fire im claiming we dress head to toe in designer clothes!

it does seem about right what you're paying TBH, like I said mine is about £300 (but thats without the commission of course ) for buildings and contents and the buildings element of the premium is probably around £120 ish. We've got a very similar cover to what you have too xx