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Does your contents insurance policy cover cash kept at home?

Does your contents insurance policy cover cash kept at home?

This is the question home owners should be asking themselves as a recent independent study found that a quarter of home contents insurance policies offer a very limited amount of cover for cash, while others offer no cover whatsoever. The independent research investigated 200 policies in total and found that more than 25% of these home insurance policies offered a very limited amount of cover for money kept inside a residential property, in many cases only insuring as little as £500. A further 4% of these home insurance policies, worryingly, don’t offer any kind of cover for cash whatsoever. The study found that it is often the cheapest policies on offer which tended to provide no cover at all for cash kept at home. There are certain times of the year when home owners are more likely to keep large amounts of cash at home as opposed to other times. The run up to Christmas is a period which sees a high number of home owners stashing cash for gifts in their homes, and also before heading off on a holiday as people tend to keep money, often in a foreign currency, at their home before leaving for their trip. The advice being given by insurance experts is for home owners to check their contents insurance policy to ensure their cover is up to scratch, and suits their needs if they are the type of people to keep cash at home regularly.

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