[Gadget insurance](/gadget-insurance/) is a separate policy for portable devices, so you’ll still need contents insurance for your other household belongings. You’ll probably pay less per month for gadget insurance, but it’s only covering your specified items.
If you just have [contents insurance](/home-insurance/contents-insurance/) to cover your home office equipment, chances are you’ll need a premium policy and All Risks cover which cost more, and still may not offer as much protection as gadget insurance.
To work out whether to get gadget insurance as well as contents insurance, you’ll need to weigh up:
* What protection you need for your devices
* What excess you can afford
* Where you’ll be using your home office equipment
* Whether you could afford to replace items yourself if they were lost or damaged
Take a look at our [contents insurance](/home-insurance/contents-insurance/) and [gadget insurance](/gadget-insurance/) guides to find out more.