Can you imagine having built up the contents of your home over the years, all the loving memories it holds not to mention the cost of the items in your home. Now can you imagine if the worse should come to the worse and through some disaster such as fir or flood you were to lose everything?

Although its not a very nice thought it does happen and this is where content home insurance comes into its own. While of course it cant replace all the memories, it can replace the items and help with the cost of replacing them.

Most general content home insurance policies will cover your possessions in case of flood, fire, theft and some even cover accidental breakages. The majority of the contents of your home are covered in the policy along with furniture, household goods and electrical equipment; most companies will also allow you to add on items such as jewellery, bicycles and the contents of your freezer providing you dont go over a certain predefined limit.

The easiest way to determine if an item would be covered in a policy is by asking yourself if you should move home would you take the item with you. If the answer is yes then it is more than likely covered in the policy.

It is important to shop around for a policy as they do vary considerably in the premiums and what is and is not included in the policy, when thinking of taking out a policy you should always ask if in doubt.

Another factor to take into consideration when looking for a quote, is to not underestimate the value of the items in your home, this can very easily be done. Take your time going round your home with pen and paper noting everything and adding them up as you go along. Take into account how much it would cost you to replace such items as your DVD collection or the clothes in your wardrobe, in can be surprising how the cost will mount up.

The most important thing is to make sure you know what is covered; dont just take it for granted. With any policies there will be exclusions and certain items in your home wont be covered by just the basic policy. For example items such as antiques, photographic equipment, jewellery consisting of gold and precious stones and computer equipment will generally not be covered. If you want cover for specific items then this will have to be added on to your policy at extra cost.