Our homes carry our most valued possessions and the only time we realize how much we own is when they are damaged or stolen.

The policy covers household contents or personal effects you own or for which you are responsible while in the dwelling against perils such as theft, fire, lightning, storm, flood, etc.

If the property insured is lost or damaged by an insured event we will pay for or may choose to repair or replace it. The amount payable will be the current replacement cost. If the property insured at the time of loss or damage is of greater value than the sum insured you will be your own insurer for the difference and will bear a rateable proportion of the loss or damage.