Alongside buildings insurance this is another of these must have plans unless you can live with just four walls and a roof and nothing else within them.

The function of this plan is to provide cover in the unfortunate event of burglary, which is getting more commonplace, I think we all know of someone who has been burgled, and it isn’t a nice experience.

Along with the feeling of invasion of privacy, there is also the loss of valuable items, years ago videos were the favourite trophy, but now there are DVDs, personal computers, CD players and the list goes on and on, and the items that are the most precious are momentos, and heirlooms and say jewellery that has been in the family for generations, obviously there is sentimental value attached but also the cost of an item that could have been bought at the start of the 1900s for a few pounds, (when a pound was a lot of money), could now be worth thousands, and possibly more depending on what it is. The point is that items such as those and individual items worth a lot of money should be insured mainly on a new for old basis, as to replace them tomorrow may cost more than it would to buy them today.

House contents doesn’t only cover the appliances and jewellery, but also the furniture, carpets, food in the fridge, and even your credit cards if you lose them outside the house, it is always better to be safe than sorry.

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