Affordable and customisable contents insurance to protect your belongings.
Contents insurance protects the possessions in your property against risks such as theft, fire, flood or vandalism.
If your belongings are stolen, destroyed or damaged, then your contents insurance will cover the costs associated with repairing or replacing them.
Typically, contents insurance is purchased as part of a home insurance policy; however, there are instances when a contents-only insurance policy is more suitable, such as for renters.
Contents insurance policies could pay out in two ways, depending on the policy you choose:
Whether you’re renting or own your home, contents insurance is vital in protecting your household items. Additionally, there are optional extras to contents insurance that can cover high-value items and gadgets like mobile phones, that leave the property and can sustain accidental damage.
Contents-only insurance is perfect for tenants who want to arrange cover for their possessions. In most cases, property owners are responsible for buildings insurance, which means renters will only need to buy contents insurance, rather than comprehensive home insurance.
Remember, when you are responsible for damage to fixtures and fittings under your tenancy agreement, such fixtures and fittings are understood to be contents, but you must include them when calculating your sum insured.
While contents insurance covers the possessions in your property, buildings insurance covers everything that's permanently attached, such as your home’s structure.
If you rent, you’ll likely only need contents insurance. Whereas if you own a property, you will need contents and buildings insurance – this is often a condition of your mortgage.
Fortunately, our home insurance conveniently covers both contents and buildings insurance, so you don’t have to worry about having separate plans.
Damage by Fire, Smoke, Explosion, Lightning and Earthquake.
Storm or Flood: Damage caused by storm or flood
Riot and Civil Commotion: Damage caused by Riot, Civil Commotion, Strike, Labour or Political Disturbance, Malicious Persons or Vandals.
Subsidence: Subsidence or Heave of the site beneath the building or Landslip causing the building or part of it to collapse.
Escape of water or oil: Escape of water or oil from any fixed water or heating installation or domestic appliance.
Accidental loss of domestic heating oil or metered water:
Theft or attempted theft: The maximum amount payable for theft or attempted theft from garages or outbuildings is £5,000.
Impact involving an aircraft, aerial device or anything falling from them, or by a train, vehicle or animal.
Breakage or collapse of satellite dishes: Damage to satellite dishes and receiving aerials, their fittings or masts due to breakage or collapse
Falling Trees: This includes Falling trees, branches, telegraph poles or lamp posts, including the cost of removing any that cause damage to the home.
Smoke Damage: Smoke damage by any gradually operating cause.
Storm or Flood Damages that include: Damage to gates, fences, hedges or tennis courts.
Damages that include: Damage occurring if your home is left unoccupied for more than 60 days, malicious damage by any person lawfully in your home.
Escape of water or oil Damage that include: The repair of the part of the installation from which water or oil escapes. Damage occurring if your home is left unoccupied for more than 60 days. Damage to your contents caused subsidence due to the escape of water.
Accidental loss of domestic heating oil or metered water: Damage occurring if your home is left unoccupied for more than 60 days.
Theft or attempted theft if: Loss by deception, except where deception is used solely to gain entry into your home. This cover is limited to £1,000.
Loss or damage caused by you or a member of your household.
Loss while your home or any part of it is lent, let, sub-let or occupied by paying guests unless violent force has been used to enter or leave your home.
Loss of money unless involving entry to or exit from your home by forcible and violent means or entry by deception.
Loss of money or valuables from garages or outbuildings. Loss or damage occurring if your home is left unoccupied for more than 60 days.
Pet damage: Damage caused by insects or by domestic pets owned by you or anyone residing in your home.
Falling Trees: Damage due to tree felling, lopping or topping operations undertaken on the site of your home.
Note: Always check the policy documents for limits and exclusions. For more details, read our Home Insurance Product Information Document.
Calculate the estimated cost of your belongings using our contents calculator. This helps to speed up the process.
Read your policy book: Check that the loss or damage to your possessions is covered under your contents insurance policy.
Prepare all the relevant information: Ensure you have your policy number, the date of the incident and the details of the damage or loss ready.
Contact us: Get in touch with a friendly member of our customer service team and they will support you with your building insurance claim.
Opening hours are 9am - 5pm, Monday – Thursday and 9am - 4pm, Friday, excluding bank holidays.
Outside these hours there is a 24-hour Emergency Helpline available on the same number.
For all home emergency claims, please call 01444 442800.
Alternatively, please email claims@sagic.co.uk
Yes, our contents insurance covers theft or attempted theft. However, you will not be covered if:
