Personal Possession Cover for Home Contents Insurance

So what is personal possession cover on your home contents insurance policy? Well, personal possession is considered to be clothing, baggage, articles of personal use normally worn, used by you the homeowner or your family.

Other personal possessions include gold and silver articles, jewellery, spectacles, binoculars, telescopes, mobile phones, key, guns, peal cycles, furs, sports equipment, timekeeping and photographic equipment. Get an AA home insurance quote and see what they are offering.

Articles of personal use normally worn or carried including gold and silver articles and jewellery. On many policies you can only claim per item unless they are specified on the certificate. Dentures and musical instruments are excluded here.

Sport equipment does not cover damage in the course of play. Camping equipment not covered. Vehicles, water craft and aircraft not covered. Skiing or underwater equipment whilst in use is not covered.

Keys or electrical locking devises to external door locks at your home. Keys to safes and alarm systems fitted to or located within your home. The insurance company will replace the locks of your house if your house keys are lost or stolen up to a certain sum. They will also pay the cost of obtaining replacement keys if your keys are lost or stolen up to a certain value. Keys or electrical locking devises to any type of motorised or propelled or assisted vehicles such as children’s play vehicles, boats, sail boats jet skis and other similar items which as waterborne, aircraft, gliders and hang gliders, caravans, trailers are not covered.

Pedal cycles are usually covered up to a certain amount, but are excluded when loss or damage to accessories unless caused by accident to the cycle is lost or damaged at the same time. If you use it for racing, trial or trade purposes or the cycle has been left unattended overnight in a public place there is no cover.

Some policies include personal possessions during travel by the homeowner or family elsewhere in the world up to a maximum of agreed days.

You and your family could also be insured against loss of personal money or the unauthorized use of credit cards anywhere in the world.