Alongside buildings insurance, contents insurance should also be considered. Contents insurance is frequently packaged with buildings insurance and covers your furniture, equipment and personal belongings against fire, lightning, flooding, theft or vandalism. Accidental damage can be included, but may be sold as an optional extra.Yourable.com advises that the three main priorities when taking out building (or content) insurance should be:To decide how much cover you want the more you want covered, the higher the cost.

To identify any particularly expensive single items in your home, including costly adaptations to the homeTo isolate any property which is regularly taken outdoors, as contents insurance may also protect bicycles, money and credit cards etcHealth / medical insurance typically covers private treatment for an operation or illness and may be extended to include specific circumstances or events such as specialist consultations and out-patient treatment like physiotherapy. Family legal protection may provide some financial assistance in the event of involvement in a court case.

Pet insurance is often widely available for cats and dogs, though sometimes is less common for other animals, the cost of kennel and cattery fees are normally covered in pet insurance policies. Travel insurance and the importance of shopping around for the best policy, has been widely publicised recently, with consumer website moneynet ( www.moneynet.co.uk/ ), in particular, urging consumers to shop around for the best deal, including undertaking some research online.

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