Household insurance is a term used for home contents and / or buildings insurance and while it can not replace what you have built up for many years in memories, it can help to replace your possessions if they are damaged or lost. Household insurance covers the majority of your marriages in the home up to a certain amount and this is stated at the outside of the policy for which you pay a monthly premium.
The majority of standard household insurance policies will cover any damage made from such fire, theft, flooding and damage caused by storms. Accidental damage is usually not covered in the majority of standard policies and must be taken out separately but it is worth while checking the small print of a policy as sometimes incidental damage to such as TV screens and furniture is included.
When looking for household cover you should try and go for a new for old policy, this means that you should have to claim against the policy then you will get the items value for what it's worth now, not when you originally bought it. The majority of household contents insurance policies will also cover you up to a certain amount in the event that the persons living in the home insured should die as a result of a fire or an accident within the home but again you should check the small print and exclusions.
You should take a full inventory of the contents of your home before getting a quote and instead of shopping around yourself if you want the cheapest quotes on household insurance then let a specialist broker do the work of looking around for you. It is worth while remembering that if you have any items of particular value then these might not be covered in a standard policy so always check before you sign on the dotted line.