What are Contents?

The best way to explain what contents are is as follows. If it was possible to turn your house upside down, then anything that fell out would be classed as contents.

It is worth noting that kitchen fitments including built-in appliances should be covered under the buildings policy, as is the case for bathroom fixtures and fittings, however, free standing cookers, fridges etc. that are not built-in should be included under contents.

Carpets and laminate floors should be covered under contents, except where the laminate flooring (or real wood flooring) is actually nailed to the floor. In that case it should be covered under buildings insurance.