With HomeLet’s Home Contents Insurance for tenants, there are several optional extras for you if you want a more tailored level of cover. This can include opting to cover specific high value items or adding Accidental Damage cover, for example. These are the add-ons that we offer should you need them:
Accidental Damage Extension
As a standard feature of your policy, we offer limited Accidental Damage cover for some of your possessions. Examples include your TV and personal computer equipment.
- Mobile phones are excluded from our limited Accidental Damage cover. If you’d like your mobile phone insured for Accidental Damage, this is included for up to £300 for any one claim, under the Accidental Damage Extension.
Specified Personal Belongings
This optional cover is designed to protect higher value personal possessions that you carry with you in your daily lifeover the value of £2,500.
- Protects against accidental damage, loss or theft, even outside your home.
- Includes items such as engagement rings, insulin pumps or musical instruments.
Unspecified Personal Belongings
This optional cover protects your personal possessions against accidental damage, loss or theft when you take themout of your home in the European Area.
- Includes cover anywhere else in the world for up to 60 days in any one period of insurance.
- For personal belongings, the most we will pay for any one single item is £2,500. If you have an item worth more than this, you may want to consider our Specified Personal Belongings cover.
Some items have different limits. Check your policy wording for full details and definitions.
Pedal Cycle Extension
Our optional bicycle cover protects your pedal cycle when you take it out of the boundaries of your home.
- If you’re a keen cyclist, this option will ensure your pedal cycle is protected in the European Area and anywhere in the world for up to 60 days in any one period of insurance.
There is a combined overall limit of £7,500 for Specified, Unspecified and Pedal Cycle Extension cover.Your non-motorised bicycle is covered under this insurance, up to £500 per bike, for any one claim. You can insure more expensive bicycles under our Pedal Cycle Extension for an additional premium, which includes cover for out the home too.
Personal Legal Protection
Our cover provides the expert legal help and assistance needed to protect yourself against common legal issues, such as contract or personal injury disputes, without the worry of running up solicitors’ costs.
- You’re protected for up to £100,000 in legal fees.
*Where items are classed as valuable, the most we will pay for any one item is £2,500, and the most we will pay for any one claim is £10,000. The definition of valuable is: articles made from gold, silver, or other precious metals; jewellery, clocks and watches; furs; photographic equipment, binoculars and telescopes; musical instruments; collectors’ items; pictures and works of art; rare and unusual figurines and ornaments; curios; guns; collections of stamps, coins or metals.
In the event of a claim, if your contents are not insured for their true value, this may result in a claim not being paid in full, or at all. Please give our team a call if you require contents insurance over £50,000.
