From your new television to a nice sofa and that extensive pan set: you unknowingly have quite a lot of stuff in your home. And all these loose items that you (most likely) take with you when you move are considered household effects .
As you know, accidents can happen anywhere. Is your carpet ruined by a leak? Or is your laptop stolen during a burglary? Or do your expensive glasses suddenly fall on the tiles of your kitchen floor? Then it is a nice idea to have taken out home contents insurance This way you are properly insured . Damage is annoying enough!
Does damage occur suddenly and unexpectedly? Then you are well insured with home contents insurance . Isn't the damage unexpected or sudden, for example if you walk on your carpet with muddy shoes after a walk in the woods? Then this is damage that you could have prevented and will therefore not be reimbursed.