What does home and contents insurance mean?

Car insurance rates for a   Ford Škoda in   California Florida

Estimated cost for car insurance $150 dollars.

Find out what's covered in your home and what does "Home & Contents Insurance" mean. The shortest explanation: Its very important to have the right coverage if you ever become a victim of theft, flood damage or fire. Its exactly what does contents & home insurance policy does. Btw...it is not compulsory to insure your contents! And what about collision between the homeowner's insurance and car insurance? Does basic homeowner's insurance cover the cost of car damages that occur in an garage? This is where the distinction between your home and auto insurance policies can become a little blurry. Would be such damages covered by your home insurance or car insurance? There is no simple answer. You may need to retain a real estate (insurance) lawyer to back up your case, especielly in "hot" and "expensive" cases.

What does contents insurance cover?

A contents insurance policy protects your "home" stuff against damage from fire or theft. This stuff may include: Furniture, Entertainment, Clothes and jewellery, Electricals, Kitchenware, Soft furnishings, Toys and more...You can get home and contents insurance quotes online, and find a winning - obviously the cheapest - home insurance policy. What more does contents insurance cover?

• The cost of your possessions
• Carpets, furniture, electronics
• Goods in your outbuildings (some policies)

It protects your possessions from:

• Fire damage
• Floods and storms
• Natural disasters
• Vandalism or malicious damage
• Theft

It may also cover:

• Theft outside of your property, while you are abroad for example
• Garden furniture or equipment
• Accidental damage

It does not cover:

• Self-inflicted damage – e.g. DIY gone wrong
• Lost or stolen items a certain distance away from your property

What do you think?