What are high risk items?
High risk items aren't necessarily the most expensive ones in your home, they are things that are the most likely to be stolen should your home be broken into. These include CDs, jewellery, phones, credit cards and of course cash - anything that can be quickly and easily taken and sold or passed on by thieves.
When looking for a home contents policy you will be asked to list the high risk items in your home. This helps the insurance company decide how much of a risk it would be to offer you insurance. It also helps them set the level of your premium - the higher the risk, the higher the premium.
Don't worry though, having high risk items in your home doesn't automatically mean higher premiums. Some insurance policies cover high risk items as standard, you will usually find a list of them in your policy document.
esure offers cover for a range of high risk items (see the following list) and will insure any single item up to the value of £1500. If you have anything of this value you'll need to specify this when you take out your cover. Anything of a higher value might need additional cover.
Example of high risk items
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High risk items do not include:
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