Personal liability insurance covers accidental damage caused by you to other people or their property, such as damaging a friend's carpet or landlord's furniture. Household contents insurance protects your personal belongings from events like fire, burglary, or water damage. Both policies provide worldwide coverage but cover different types of risks and property.
What does personal liability insurance cover?
Personal liability insurance protects you from accidental damage or injury you cause to other people or their property. For example, if you spill wine on a friend's carpet or damage flooring or furniture in a rented apartment, this insurance can cover the related costs.
What does household contents insurance cover?
Household contents insurance protects your personal moveable belongings and furniture provided by your landlord against insured events such as fire, burglary, robbery, vandalism, water damage from taps, storm, and hail. This coverage includes items like furniture, electronics, clothing, and jewellery.
What types of damage are not covered by personal liability insurance?
Damage to your own belongings, mold growth, rust, wear and tear or glass damage in your rented apartment.
What types of damage are not covered by household contents insurance?
Household contents insurance does not cover damage to fixed components of the building such as floors, ceilings and walls, damage from non-insured events, or accidental damage you cause to your own or other peoples property.
Do personal liability and household contents insurance provide worldwide coverage?
Both policies offer coverage worldwide for temporary trips abroad, protecting you and your belongings wherever you are.