Contents includes just about anything in the home (including garage and outbuildings) belonging to the policyholder or a member of his family living in the same house; or to resident domestic servants. It also includes property; which is not owned by the policyholder but for which he is responsible; such as rented property. Furniture; furnishings; household goods; electrical appliances; food and drink; clothes; and money up to a specified limit all count as ‘contents’. Also included are movable fixtures and fittings; for example; special lighting fittings which would be taken away on removal. Fittings; which would be left in the house; such as built-in furniture; count as part of the ‘buildings’; although fitted carpets are classed as ‘contents’. Certain types of property are excluded. The cover applies principally to contents actually inside the home; although there is some cover under a ‘standard’ policy for contents temporarily away from the home. Some policies also include theft of household contents from the garden or immediate vicinity of the home.

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