Know your Policy Season Finale - Stuff You Take Out of the House

I know that it’s a hard pill to swallow, but the sad news is that my epic three-part series is coming to an end this month. But don’t worry, I’ve got plenty of exciting content lined up after this one!


Today it’s the season finale and it’s a subject that is probably one of the least understood amongst policyholders. No, I’m not talking about annual cost increases (sorry).


But if you guessed ‘All Risk Items’, well then you’d be surprisingly correct. Today that’s what we’re covering. Otherwise known as ‘Portable Possessions’ or, as I like to call them, ‘Stuff you take out of the house’.


Stuff you take out of the house is exactly what it sounds like - it’s any possessions that you leave the house with and which therefore isn’t covered by your household contents policy section. These possessions are insured under a section of your policy called ‘All Risk’ or ‘Portable Possessions’.


Statistically, we are all likely to have to claim against this part of our policy at some point. And yet, it’s one of the policy sections that clients least understand. Let’s change that.


What are some examples of insurable stuff that you take out of the house?


Cellphones (mobile phones)