Home insurance cover for appliances

Your household appliances, from white goods to home entertainment items, can add a substantial amount to the level of contents cover you need. To ensure you have adequate cover for your household appliances, get a quote online from Direct Line.

Direct Line Contents Insurance is designed to cover all your household items including white goods and electrical equipment such as your fridge, freezer or TV. The cover provided is for damage or loss through fire, smoke, lightning, theft, flood and escape of water or oil from any fixed water or heating installation or domestic appliance. If any of your appliances are damaged or stolen, we will replace them on a new for old basis – we’ll even arrange delivery of replacement goods direct to your home if we can.

If you have any valuables in your home worth over £2,000 each (or over £3,000 each for Direct Line Home Insurance Plus), these must be specified on your policy. Direct Line Home Contents Insurance also covers items in your garden up to the total of £1,000 (up to £2,000 on Direct Line Home Insurance Plus)- this could include the barbecue, lawnmower, electric gardening tools or even a freestanding hot tub or Jacuzzi!

We even recognise that you may need a boost in home contents cover during the period over Christmas or during weddings, when appliances may be given as gifts or bought to deal with an influx of visitors and guests. We automatically increase your cover at these times by 5% (20% on Direct Line Home Insurance Plus) of the contents sum insured. Your household appliances such as a computer, TV or microwave are also covered if your children temporarily remove them to take to college or university.

Other benefits of Direct Line Contents Insurance include cover against the cost of replacing food spoilt in a freezer, under certain conditions. And, as long as you use a professional removal company, your appliances are covered against accidental loss or damage even when you are moving house. If you would like cover for accidental damage to electrical appliances – specifically those used for home entertainment – just select Accidental Damage in your quote (Accidental Damage is automatically included in Direct Line Home Insurance Plus).

Find out more details about how Direct Line Home Insurance provides cover for your appliances, get a quote or buy online now.