What is contents insurance?Contents insurance, or possessions insurance as it is sometimes called, is a type of insurance that pays for damages incurred or loss of items in the policy holder’s personal possession or while they are located in that person’s permanent residence. Some contents insurance can also cover damages incurred or loss incurred due to fire, theft, or domestic violence. Basically, contents insurance can cover anything that is not immovable or permanently attached to the structure of the home and can be easily moved from place to place on a regular basis if necessary. There are also some contents insurance policies that will cover items in outdoor storage structures or gardens. Can I get kitchen appliances cover in my home contents insurance policy ?Kitchen appliances are generally broken down into two categories. One being major appliances, this covers refrigerators, stoves, dishwashers, and sinks; the other category is small appliances; this covers microwaves, toasters, toaster ovens, blenders, coffee makers, food processors, knife sets, cooking utensils and drink makers. The latter can be used to gain insurance. In most contents packages, the minor kitchen appliances can be and normally are covered in the policy without an additional line of script having to be written. This is because all of these possessions are considered not fixed; basically, that they can be moved easily, this makes them qualified for insurance. However, the former, major appliances, are much more difficult, and in some cases, impossible to insure. There are some companies that will include major appliances in the contents package part of the policy, but, for the most part,

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