Home contents insurance covers the cost of replacing your belongings in your home if they are damaged, destroyed or stolen.
As a general rule, your ‘contents’ are the items that you would take with if you moved home or things that would fall out if you picked your property up and turned it upside down.
These include things like:
Furniture: beds, sofas, wardrobes and dining tables and chairs
Kitchenware: cutlery, cookware, microwaves and kettles
Entertainment: video games, toys, DVDs and CDs
Soft furnishings: cushions, curtains and bedding
Electricals: TVs, laptops and game consoles
Clothes and jewellery
Ornaments and antiques
Contents insurance can be bought as a standalone policy or as part of a combined home insurance policy with buildings insurance.
If you need to make a home insurance claim, your home insurance provider will settle this on either a ‘new-for-old’ or ‘indemnity’ basis.
New-for-old cover means that the home insurer will pay for a brand-new product, of equivalent value, if your insured item is damaged or stolen.
Indemnity cover considers wear and tear on the items that you claim for, which reduces the pay-out you’ll get.
For example, while it may cost £850 to replace your sofa, you may only get £200 once its age has been factored in.
Personal possessions cover – covers your portable belongings while you’re outside of your home and even on holiday. Items like your: Mobile phone, Tablet and Laptop PC.
Most insurers will cover your home on the premise that it will not be left unattended for more than 30 days at a time. If your home will be left unoccupied for more than 30 days you may need specialist cover, Advantage can arrange this for you.
Our clients choose to trust us over the competition because of the way we conduct our business.
Did you know that not all mortgages are available through brokers? That’s why we’ll always let you know about any cheaper deals that we’re aware of when we make our recommendation. Nothing hidden here.
We exist not only for our clients but to make the world a better place in any little way we can. We participate in ‘micro-giving’ via a charitable organisation called Buy1Give1, to causes such as conservation and clean water.
All Advantage customers have their own Client Portal for secure exchange of information, messages and documents. However, we always tailor our services to suit you, whether face to face, telephone, email or carrier pigeon.
Whilst we have arranged finance for people in all situations, we have areas we think we excel in. If you are a contractor, self-employed, a first time buyer, an older borrower or have had credit issues, you should really call us.
The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.
Our typical fee is £450 and only paid when your offer is produced. This means that if we’re unsuccessful in getting you the mortgage you won’t pay a fee, giving you the confidence you need from a broker.
Advantage Financial Solutions is a trading style of TRM Financial Ltd, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Registered Office: 70 St. Johns Close, Knowle, Solihull, England, B93 0NH. Registered in England and Wales no. 09832887.