Thatched House Insurance – Discover our Contents Calculator

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When thatched house insurance is discussed, the emphasis can sometimes be on insuring your thatched roof, building structure, and outbuildings. But as a specialist insurance broker we know that insuring the items in your home is just as important as insuring your home itself.

From diamonds to dinner sets, and gold to golf clubs the correct level of contents insurance can be a vital financial safety net should the unexpected happen.

Contents insurance protects the possessions within your home against risks such as theft, fire, water damage, or accidental destruction. For many individuals and families, the value of their belongings adds up to a significant investment. Without contents insurance, replacing these items after an unforeseen event could pose a severe financial burden.

That’s why, at Lloyd & Whyte Heritage we’ve created a quick and easy way for you to add up the overall cost of your personal belongings. Our Contents Calculator provides a simple breakdown of commonly found items found within the home.

It enables you to calculate the cost of your contents room by room so that you can present an overall sum total to your insurance broker. What’s more, it helps towards avoiding underinsurance because when you calculate the current value of your belongings, we can make sure your level of insurance protects you properly.

What is ‘underinsurance’?

Underinsurance is when the value of an insured asset, such as your property or any item within your home (jewellery, tech, silverware, artworks) has appreciated (increased) in value over time.

If for example, a painting or designer watch has increased in value because the artist has become popular and their work is in high demand, or the style of watch isn’t manufactured anymore, the value might have increased. Obtaining accurate valuations and including these in our interactive Contents Calculator can give you a more accurate idea as to what your possessions are really worth.

If your contents are underinsured, you could encounter problems should you need to make a claim, or worse still, your claim could be null and void. If you’re unsure as to whether the level of your insurance is up to date, contact us sooner rather than later. We can help you ensure you’re covered at an accurate level.

What does Contents Insurance through Lloyd & Whyte Heritage cover?

Contents insurance provides coverage for personal possessions, ranging from furniture, electronics, and appliances to clothing, jewellery, and collectibles. Some policies also extend coverage to items temporarily removed from the home, such as laptops or bicycles, offering peace of mind even when you’re on the go. This protection ensures that you can recover the financial value of your belongings, reducing the stress and inconvenience of unexpected losses.

Is it worth taking out Contents Insurance?

Contents Insurance offers significant value, especially when compared to the potential cost of replacing household items. We can tailor your policy, enabling you to benefit from coverage based on the value of your belongings and specific risks.

Protection against theft

Theft is a common risk, and burglars often target high-value items such as electronics, jewellery, and cash. Contents insurance can ensure you’re not left out of pocket if your possessions are stolen.

Coverage for accidental damage

Accidents happen, and expensive items like TVs, laptops, or furniture can easily be damaged in everyday life. Contents Insurance policies often offer accidental damage add-ons, providing coverage for such mishaps. This feature is particularly valuable for households with children or pets, where accidental damage is more likely to occur.

Recouping losses

 Floods, storms, or fires can devastate a home, leaving homeowners and renters facing significant financial loss. Contents Insurance ensures that you can replace your belongings and rebuild your life after such events. It complements buildings insurance by focusing specifically on the possessions within your home.

 Peace of mind for renters and homeowners

Contents Insurance is not just for homeowners; it is equally important for renters. While landlords are typically responsible for insuring the building itself, tenants are responsible for their personal possessions. Contents insurance offers renters financial protection and the confidence that they can recover from unexpected losses.

If you own a thatched property, our thatched house insurance specialists can arrange cover for your heritage home. Whether it is a listed thatched property or standard thatched home, our team can talk your options through with you and source a policy that financially safeguards your buildings and contents.

If you have calculated your contents and you feel your existing policy with us needs amending, please call our thatch home insurance team on 01823 250702

For a new quote for contents insurance, buildings insurance or buildings and contents insurance, please call: 01823 250780