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Contents Insurance

While buildings insurance protects the structure and foundations of your home, contents insurance is designed to protect the belongings inside your home and garden. It can provide you with the reassurance that the things you value are protected. Age Co offers both buildings insurance and contents insurance, which can be bought separately or as a package. 

Below is a summary of what contents insurance will cover. For full details, please refer to the Home Insurance policy document.  

Get a Buildings and/or Contents Home Insurance quote today.


What does contents insurance cover? 

Contents insurance is there to cover: 

  • Loss or damage to household goods
  • Replacement of external locks if keys are lost away from your home or stolen
  • Theft of valuables, including jewellery, money and credit cards 

Your rent payments could also be covered, as well as alternative accommodation costs†† if an incident means that your home can’t be lived in. Accidental Damage Cover can be included as an optional extra should you require it, for an additional fee. 

Home contents cover is available up to £60,000. Increased contents cover of up to £100,000 may also be available, subject to terms and conditions. Read our guide on how to value your home’s contents and see how much cover you need. 

See if you could save money with 5 Star Defaqto-rated home insurance. If you have already started a quote, the details have been saved for you - retrieve your quote here

The contents of your home will be protected against certain accidents or disasters, including: 

  • Fire, explosion, lightning, earthquake
  • Storm or flood
  • Collision or impact by vehicle, train, aircraft or animal
  • Riot or malicious damage
  • Escape of water or oil leaks from fixed installations
  • Theft or attempted theft
  • Falling trees, branches, telegraph poles and lamp posts
  • Subsidence, ground heave or landslip. The excess for subsidence is £1,000 (reducing to £100 for properties under 10 years old).

Does contents insurance cover fixtures and fittings? 

Generally, fixtures and fittings are covered by buildings insurance and not contents insurance. This is because they are things that are permanent, stay in the home or are built-in, such as fitted wardrobes, kitchen units, wall lights, etc. Buildings insurance typically also covers garden walls, fences and paths. 

Instead, contents insurance covers household goods, valuables and personal belongings, such as jewellery, clocks, musical instruments or antique furniture. This even includes the food inside your fridge and freezer, credit cards and cash. Therefore, it’s a good idea to take out both buildings and contents insurance to be sure that everything inside and outside your home is protected. 

Items that are not covered under contents insurance include business equipment (owned by a business and not by you personally). Any item that is lost or misplaced in the home is not covered either unless you have Personal Belongings Cover. Garden equipment, such as furniture, barbeques, lawnmowers, etc. are covered.

Does contents insurance cover accidental damage? 

Accidental damage is usually defined as unexpected and unintended damage caused by something sudden and external. There are, however, certain occasions when the accidental damage may not be covered. For instance, accidental breakage to televisions and desktop computers is covered, unless the damage was caused by cleaning, maintaining, adjusting or misusing the item, by wear and tear, by electrical or mechanical breakdown or by computer viruses. 

You should check your policy document to find out what is and isn’t covered under accidental damage. 

Is a washing machine covered in contents insurance? 

A washing machine will likely be covered by buildings insurance and not contents insurance as it’s a permanent fixture in your home. However, you should be aware that if it’s broken from general wear and tear or mechanical breakdown, you won’t be able to claim on your insurance for a replacement. 

Any contents that are damaged because of an escape of water from your washing machine are covered, and you could receive compensation for these to be replaced. 

Does contents insurance cover boilers? 

Boilers are generally not covered under your home insurance. This is because a boiler usually breaks down because of poor maintenance, a mechanical failure, or age. If you would like to have boiler protection, you can take out additional home emergency cover. This will cover not just the boiler, but your home’s entire central heating system. It can also cover the removal of wasps’ nests and mice within your home. 

Are carpets covered under contents insurance? 

Carpets are generally covered by contents insurance.

Does contents insurance cover water damage? 

When your home becomes water damage, either due to an escape of water or flood, fixtures and fittings such as built-in furniture will need replacing. The contents of your home, such as mobile furniture, carpets and clothing may need to be replaced too. This is why it's so important to have both buildings and contents insurance. Buildings insurance will cover the former, while contents insurance covers the latter.

Your buildings insurance protects you against the cost of finding the source of the water. For instance, a pipe in your home may be leaking, but it could be difficult to detect where the water is coming from. With buildings insurance, any damage to the walls, floors and ceilings caused when locating the source of the leak will also be covered.


 

Buildings Insurance

Buildings insurance is there to protect your home from risks such as fire, flood and storm damage, fallen trees or lampposts, or theft and vandalism. It covers the cost of rebuilding your home should something happen and also protects any outbuildings, garages and sheds. It’s important to note that buildings insurance does not cover your possessions or items in your home - for this, you will need contents insurance. Age Co Home Insurance offers both buildings insurance and contents insurance, which can be bought separately or as a package. 

See if you could save today with Age Co's 5 Star Defaqto rated home insurance.

If you have already started a quote, the details have been saved for you, retrieve your home insurance quote here.

 


What does building insurance cover?

Age Co's buildings insurance covers

  • Your property up to £500,000† rebuilding costs
  • Fixtures and fittings
  • Garages, paths, drives and patios
  • Garden walls
  • Outbuildings
  • Accidental damage cover (optional add-on for an extra cost)

Please note, insurance for a non-standard construction property would be based on the customer’s sum-insured amount for the rebuild cost. Cover cannot be provided if you are not the owner.

Buildings insurance will also cover you against:

  • Fire, explosion, lightning, earthquake
  • Collision or impact by vehicle, train, aircraft or animal
  • Riot or malicious damage
  • Escape of water or oil leaks from fixed installations
  • Theft or attempted theft
  • Falling trees, branches, telegraph poles and lamp posts

For full details, please refer to the Home Insurance policy documents. Terms, conditions, limitations and exclusions apply.

Home Insurance (underwritten by Ageas) Policy Document

Get a Buildings and/or Contents Home Insurance quote today. 

Below, you can find out exactly what is covered when you take out Age Co Home Insurance for over 50s.

Does building insurance cover escape of water?

Your home is covered against water damage that occurs from frozen pipes, leaking appliances (such as a washing machine, dishwasher, waterbed or fish tank) and heat or drainage installation. You’ll also be reimbursed for any costs you’ve acquired in finding where the water is coming from. Age Co Home Insurance's excesses for escaping water is £250.

Does building insurance cover roof repairs?

If your roof is made from slate, tile, metal, concrete or asphalt or is turnerised (made from metal with a layer of bitumen coating), your roof will be covered for damage caused by incidents such as fire, explosion, lightning, storm, falling trees and subsidence. However, general wear and tear, such as defective rendering, is not covered. You cannot claim for having a chimney repointed or for general roof maintenance.

Does building insurance cover subsidence?

Subsidence can be a major problem for a house, causing large cracks and instability. However, with Age Co buildings insurance, subsidence and ground heave of the site your home stands on are covered, though there are some exclusions that you should be aware of. These include if the subsidence is caused by the sea or a river, faulty design, materials that are shrinking and expanding when they shouldn’t or subsidence that started before your policy start date.

Age Co Home Insurance excess is £1,000 for subsidence claims, however, for a property that is under 10 years old, this reduces to £100.

Does building insurance cover burst pipes?

Age Co buildings insurance covers burst pipes. If you find that this problem is happening regularly, you should lag the outside water taps to prevent them from freezing or look into installing additional insulation. Age Co Home Insurance's excesses for escaping water is £250.

Are garden walls covered by buildings insurance?

Buildings insurance will cover almost every structure on your property boundary, including garden walls, paths, driveways, tennis courts and permanent swimming pools or jacuzzis.

Is dry rot covered by buildings insurance?

Dry rot can be very destructive and it is for this reason that many insurance providers don’t offer cover for an infestation, including Age Co.

Dry rot is a type of fungus that decays wood and spreads very quickly. Once an outbreak has occurred, it can be very difficult to control and it is expensive to replace wooden fixtures that have been affected, like timber beams and door or window frames.

However, you may find that if the dry rot has been caused by an incident that is covered on your insurance, such as a leak, then it is possible that you may be covered for the damage that’s been done.


 

Summary of cover

See what is and isn't covered by Age Co's combined buildings and contents Home Insurance.

In addition to this summary of cover, please refer to the Home Insurance Policy Document for terms, conditions, limitations, and exclusions and to the Buildings & Contents Cover Product Information Document for details specific to your quotation.

Buildings insurance 
Standard policy limits
Loss or damage to the building, as covered by your policy
The maximum claim limit shown on your building insurance policy schedule
Trace and access source of leak for escape of water and escape of oil causes Up to the maximum claim limit shown on your policy schedule
Property owners' liability £2 million
Cover for rent or alternative accommodation costs†† if your home can't be lived in due to an insured event
20% of the building's maximum claim limit shown on your policy schedule
Contents insurance Standard policy limits
Loss or damage to your home contents, as covered by your policy The maximum claim limit shown on your contents insurance policy schedule
Maximum claim limit for any valuable £2,000. Cover for higher valued items may be available upon request
Valuables in the home The maximum claim limit shown on your policy schedule
Money £500
Credit cards £1,000 
Freezer food  £1,000 
Public and personal liability £2 million 
Unpaid damages £2 million 
Tenant's liability 20% of the maximum claim limit for contents shown on your policy schedule 
Loss or damage to contents during removal Up to the maximum claim limit for contents shown on your policy schedule 
10% increase in the maximum claim limit for religious festivals, birthdays, family wedding, and civil partnership ceremonies  Maximum claim limit for contents increased by 10% 
Counseling fees  £1,000 
Garden cover  £1,500 
Accidental breakage to audio/visual equipment, DVD equipment, fixed glass in furniture, mirrors, and desktop computers   Up to the maximum claim limit for contents shown on your policy schedule 
Fraudulent use of credit cards £1,000 
Carer's contents  £250
Items covered while living in a nursing home, residential care home or staying with family or friends Up to 20% of the maximum claim limit for contents shown on your policy schedule 
Medical equipment on loan  £5,000 
Accidental damage to wheelchairs and stairlifts in the home  Up to the maximum claim limit for contents shown on your policy schedule
Rent and alternative accommodation  20% of the contents' maximum claim limit shown on your policy schedule 

Additional benefits available to you 24 hours, 365 days a year:

  • Identity theft advice. If you are a victim of or worried about identity theft, there is advice and guidance.
  • 24-Hour Domestic Assistance Service.  If you have an emergency in your home, the service provider Arc Legal Assistance Ltd can arrange help from an authorised contractor. The contractor's costs or call-out fees will only be repaid if they are covered by your Home Insurance policy or Home Emergency policy (minus any excess).
  • Optional additional voluntary excess. If you agree to pay an additional excess of £50, £100, or £250 for your buildings and contents insurance cover, you may reduce your insurance premium. This is on top of the standard £95 policy excess.
  • 24-hour legal helpline. Expert, independent and confidential advice on any legal problem arising under the laws of any member country of the EU or the Isle of Man, Channel Islands, Switzerland, or Norway.

Significant exclusions:

Buildings Insurance

Loss or damage caused by weight of snow. Loss or damage to gates and fences caused by storm or flood. 

Contents Insurance

Loss or damage caused by weight of snow. Theft or attempted theft when your home or any part of it is lent, let, or sublet to or occupied by someone who is not a member of your family unless damaged was caused because force was used to get in or out of the building.

General policy exclusions applicable to all sections and optional extras

Property covered by another policy of insurance. Any criminal or deliberate act by you or your family. Loss or damage caused by wear and tear or lack of maintenance.


 

Policy options and extras

Choose from a wide range of optional extras to tailor the cover to suit you.

For an additional charge, you can add these optional extras to your insurance cover. Please download the policy document for full terms and conditions.

Cover

Standard policy limits

Significant exclusions

Accidental damage to buildings and contents Up to the buildings' or contents' maximum claim limit shown on your policy schedule
  • Damage caused by or resulting from chewing, scratching, tearing or fouling by domestic animals or pets.
  • Damage caused by or resulting from wet rot or dry rot or other gradual causes.
Unspecified personal belongings Limited to £1,000 - £5,000
  • Any amount above the amount shown in the schedule for theft or disappearance of property from unattended locked motor vehicles.
  • Loss or damage caused by theft or attempted theft from an unlocked hotel room, motel room, bed & breakfast room or other similar temporary lodging.
  • Loss or damage to dentures while being used for eating. Loss or damage to crowns, caps or fillings in teeth.
Specified personal belongings Limited to £10,000
  • Any amount above the maximum claim limit shown in the schedule for theft or disappearance of property from unattended locked motor vehicles.
  • Loss or damage caused by theft or attempted theft from an unlocked hotel room, motel room, bed & breakfast room or other similar temporary lodging.
  • Loss or damage to dentures while being used for eating. Loss or damage to crowns, caps or fillings in teeth.
Pedal cycles Limited to £300 unspecified and £1,000 specified
  • Cuts, bursts or punctures to tyres.
  • Theft or attempted theft of an unattended pedal cycle away from the home unless the pedal cycle is either in a locked building or secured by a suitable chain and padlock (or cycle lock) to a post, cycle rack or immovable object.
Static caravan Up to £35,000 for the structure and up to £2,500 for the caravan equipment
  • Malicious damage caused to television sets (and their aerials), satellite receivers or decoders, radios, audio equipment, video recording equipment, DVD players or desk-top computers when your caravan is unoccupied or while the caravan site is closed.
Touring caravan Up to £25,000 for the structure and up to £2,500 for the caravan equipment
  • Loss or damage caused by the caravan being stolen at any time, unless it is fitted with a hitchlock or wheelclamp that is working properly.
Home emergency

To qualify to add Home Emergency cover, the property has to be owned by the policyholder and also their main residence.

Benefits include:

  • complete failure of your central heating system involving a boiler or warm air unit.
  • removal of wasp nests, mice or rats within your home.

Limited to £1,500 during the period of insurance, with a claim limit of £500 per incident. Provides emergency repair by a qualified professional or permanent repair provided this does not exceed the cost of the emergency repair. Claim limits include the cost of call out, labour, materials and VAT.

  • An emergency which happens before the period of insurance starts or within 14 days of the date of first purchase of this policy.
  • Any claim where the home is unoccupied for 60 consecutive days or more.
  • Any replacement costs as a consequence of natural wear and tear or gradual deterioration.
  • Cover unavailable in the Scottish Isles.
 Personal legal protection Provides up to £100,000 of cover to take legal action for things such as employment, contract or property disputes and personal injuries or clinical negligence.
  • There must be more than a 50% chance of success for the claim to be accepted.
  • Costs and expenses incurred before Arc Legal Assistance Ltd accept a claim in writing are not covered.

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^The UK based service team have been awarded the Feefo Platinum Trusted Service Award 2022.
††Rent and Alternative Accommodation cover is 20% of the buildings sum insured.
^^Excesses are £1,000 for subsidence claims (reducing to £100 for properties under 10 years old), and £250 excess for flood and escaping water claims.
†On standard construction properties.
^^^In the event of a change of circumstances, premium charges may apply.
*If you call the 0800 number, you will be dealing with Ageas Retail Limited.

Age Co Car, Breakdown and Home Insurance are arranged and administered by Ageas Retail Limited. AgeCo Limited is a trading subsidiary of Age UK (registered charity no. 1128267). Both AgeCo Limited (Financial Services Register no. 311438) and Ageas Retail Limited (Financial Services Register no. 312468) are authorised and regulated by the Financial Conduct Authority. AgeCo Limited registered office: One America Square, 17 Crosswall, London, EC3N 2LB (registered in England and Wales, no. 03156159). Ageas Retail Limited Registered office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA (registered in England and Wales, no. 01324965).

If you need to make a complaint, please refer to the policy documents.

Age Co are unable to offer insurance to residents of the Channel Islands.

AgeCo Ltd is always committed to providing good customer service. If you buy a product from AgeCo Ltd, you may be contacted by our partners Feefo on our behalf to find out about your buying experience.

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