Personal possessions insurance covers your belongings when you take them out and about or on holiday. It’s often an add-on to standard contents insurance, which is designed to protect your contents at home.
If you regularly go out with your tennis racket, guitar or an expensive watch, you may want to add personal possessions cover to your home insurance. This will give you the best level of cover if your things are lost, stolen or damaged.
You can add personal possessions insurance to your existing home insurance policy. It offers a higher level of cover for certain valuable items in the event of loss, theft or damage. You’re also covered when you take your items away from home or on holiday.
But what do we mean by personal possessions? These are typically the sorts of items you keep on your person while you are outside your home, especially the items you regularly take out and about with you.
Personal possessions include:
Cash that belongs to you personally, not to your business
Are personal possessions covered by home insurance?
Our Home Insurance consists of two separate types of insurance: Buildings and Contents Insurance.
Contents Insurance covers your belongings while they’re inside your home. It covers the repair or replacement of stolen items and things damaged by fire, flooding, natural disasters and vandalism. This cover is for things like televisions, carpets, furniture, clothes, cash and the contents of your garden.
Contents Insurance covers the items inside your home and garden under one policy. However, you may want to consider adding personal possessions cover to your policy if:
You regularly take certain items out of the house
Your things are particularly valuable
You’re storing them somewhere that’s not your main residence
Your belongings carry an enormous amount of sentimental value. The thought of these things being stolen or going missing can be terrifying, so it’s reassuring to know personal possessions insurance can cover you.
Get coverage for:
Other types of jewellery
Our Personal possessions add-on covers your valuables worldwide. So it's ideal if you’re going on holiday.
Our Personal Possessions add-on also covers your cash anywhere in the world.
You can typically expect to be covered for:
The exact types of currency and the amount you can expect coverage for will vary, so make sure to check your policy.
Only personal money is covered, not cash lost or stolen from your business.
Are gadgets and electronics covered by Personal Possessions Insurance?
No. Electronic devices are some of the most common items you will expect to take on the move. However, to get cover for these items with a Bronze, Silver or Gold policy you will need our Gadget Insurance add-on.
Our Gadget Insurance add-on covers theft, loss and damage of:
Personal Possessions insurance offers additional cover for your much-loved items while you're on the road or staying in other places temporarily.
While some standard contents insurance policies may cover items you have on your person, your coverage may have certain limits. For instance, it might not cover you if you are abroad for longer than two weeks, or if the item you want to insure is not usually kept at your home.
But, with our Personal Possessions add-on to your Bronze, Silver and Gold Home Insurance, you can enjoy peace of mind knowing your items will be covered while they're within arm's reach or locked away, out of sight.
Better still, if you’re living away from home for a while, our Personal Possessions insurance may be able to replace lost, stolen or damaged items that you urgently need such as a hearing aid or child’s pushchair.
Personal possessions could prove useful for the following:
While travelling abroad, there may be a limit to the amount you can claim on your Travel Insurance policy or on the types of items that are covered.
If you are taking valuable items abroad, you may want to make sure you have more comprehensive cover. Personal possessions insurance could be a good idea – particularly for jewellery and camping equipment.
As well as taking out a suitable policy, make sure you are taking steps to stay safe abroad. Don’t walk alone while carrying valuable items and make sure you secure your items in your hotel safe when you’re not using them.
Taking items to work
Personal possessions insurance can also cover your items if you take them to work.
While it won’t cover items you specifically use for work, it will cover items you have on you such as jewellery, cash and music or sports equipment. This includes personal items you leave at work, such as things you store in a locker.
If you work from home and use personal items for work-related purposes, you may want to speak to your employer about getting your items covered by your company’s insurance.
As with standard contents insurance, you will need to add up the value of the items you wish to include as part of the personal possessions cover in your policy.
Working out each item’s value is the first step to deciding the sum you wish to insure it for. So, for example, if you regularly leave home with a pushchair worth £500, a ring worth £1,000 and a jacket worth £300, you should look for a policy in the region of £2,000.
You may find it helpful to ask yourself questions such as:
How much would it cost to replace or repair this item?
If the item could not be replaced, what would its value be?
This insurance is designed for items you regularly take away from home. You should usually be able to rely on your contents insurance for any items that tend to stay at home.
John Lewis Finance, John Lewis Home Insurance and John Lewis & Partners are all trading names of John Lewis plc. Registered office: 171 Victoria Street, London SW1E 5NN. Registered in England and Wales (Registered Company Number 233462). John Lewis plc is an appointed representative of Munich Re Digital Partners Limited, a company authorised and regulated by the Financial Conduct Authority to carry on insurance distribution activities.
John Lewis Finance, John Lewis Insurance and John Lewis & Partners are all trading names of John Lewis plc. Registered office: 171 Victoria Street, London SW1E 5NN. Registered in England and Wales (Registered Company Number 233462). John Lewis plc is an appointed representative (Financial Conduct Authority no. 416011) of Covea Insurance plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registration no. 202277). John Lewis Specialist Home Insurance is underwritten by Covea Insurance plc. Registered Office: Norman Place, Reading, Berkshire RG1 8DA. Registered in England and Wales (registration no. 613259).