Items you take out of the house with you, such as watches, smartphones, laptops and tablets, are considered high risk by insurers – this is where personal possessions insurance comes in.
Personal possessions insurance covers your personal belongings when you’re out and about. Some insurance companies include it as part of their standard policies, while others don’t, so be sure to check your policy to ensure your high-risk items are fully covered. If your standard policy doesn’t include personal possessions insurance, you can add it to your policy for an additional cost.