Household insurance provides cover against damages or loss to the contents in the home that you live in. In other words, everything that you would take with you when you move to another home, is what can be insured. It is also known as household contents insurance. Cover is generally provided for the: Furniture (including carpets, rugs, paintings); Appliances (fridge, microwave, vacuum cleaner, television, etc.); Clothing; Linen; Foodstuff in the fridge and freezer; Groceries; Personal possessions (clothing, watches, glasses, jewellery, sports equipment, etc.) Generally, cover is provided for damage or loss caused by the following events: Theft; Fire; Storm damage; Flooding; Lightning (can extend cover to include Power Surge, Accidental Damage, Machinery Breakage); etc.