When arranging your home contents insurance it is important to ensure that the cover selected fully satisfies your demands and needs.
There are different levels of cover under contents insurance in your home and it is important that you arrange the cover to satisfy your needs and not leave any gaps in cover that you may need.
Everyone has a different attitude to risk and also there is a premium difference between accidental damage cover to your contents or standard perils cover. Selecting full accidental damage cover for your contents is more expensive, but would cover such incidents like spilling red wine of paint onto the carpet or sofa or knocking over a vase.
The other option is to cover standard perils and the premium would be less. Most insurance companies would still provide an element of accidental damage cover to certain items. A typical wording may be ‘accidental damage cover to audio, televisions, DVD, video or telecommunications equipment,(excluding mobile phone), glass and mirrors are automatically covered. This element of cover may be sufficient for certain people, so they would select this cover.
Obtain comparisons quotes via www.insurescotland.com and check the differences in premium between full accidental damage cover and also standard perils cover.
You can the decide which cover is suitable for your needs.