Understanding what your home insurance covers can be confusing. At Urban Jungle, we aim to make it as clear and simple as we can. 

Below are some answers to a few of our most frequently asked questions about the specifics of our home insurance policies; from what Out of Home cover is to whether you need to declare high-value items. We also answer your questions on our new-for-old policy, and if we cover refurbished phones and laptops. 

This article is only applicable to our Contents, Buildings & Contents, Buildings Only, and Select By Urban Jungle policies. If you’re unsure about which policy you have, please refer to this article. 

1. What does the Out of Home add-on cover?

Contents Insurance

The Out of Home add-on covers your personal items that you typically would take out of the home with you on a frequent basis.

It covers you for incidents including theft, accidental damage, accidental loss, vandalism or malicious damage anywhere in the United Kingdom, and for a limited number of days worldwide. Please refer to your policy document for more information about worldwide coverage. 

Personal items include, but are not limited to, mobile phones, laptops, portable electronic devices, clothing, bikes, jewellery, watches and hearing aids. 

You can add this to a policy at any time via the My Account section of the website.

Please note, this add-on can cover you up to a maximum of £15,000. Any personal items over £2,000 must be declared on your policy to be covered under this section of the policy. 

You can find the full details of the conditions and exclusions that apply to this add-on in the “Out of Home Cover for Personal Items”  section of your policy document, policy that you can access through the ‘My account’ section of our website. If you don’t have a policy with us, you can read more in our Contents sample policy document.

Buildings & Contents Insurance

The Out of Home add-on covers your personal items that you typically would take out of the home with you on a frequent basis.

It covers you for incidents including theft, accidental damage, accidental loss, vandalism or malicious damage anywhere in the United Kingdom, and for a limited number of days worldwide, please refer to your policy document for more information about worldwide coverage. 

Personal items include, but are not limited to, mobile phones, laptops, portable electronic devices, clothing, bikes, jewellery, watches and hearing aids.

You can add this to a policy at any time via the My Account section of the website.

Please note, this add-on can cover you up to a maximum of £15,000. Any personal items over £2,000 must be declared on your policy to be covered under this section of the policy.

You can find the full details of the conditions and exclusions that apply to this add-on in the “Out of Home Cover for Personal Items” section of your policy document policy that you can access through the ‘My account’ section of our website.

If you don’t have a policy with us, you can read more in our Building & Contents sample policy document.

Select By Urban Jungle Insurance

The Out of Home add-on (also known as Personal Possessions) that’s available for our Select By Urban Jungle Buildings and Contents Policy covers all of your smaller personal belongings that you carry with you outside the home, such as phones, jewellery and general low-value gadgets. 

You must individually specify any single item, or collection forming a set, that is valued over £2,500 that you want covered outside your home. The total value of all specified items you add here cannot exceed £15,000. 

It’s worth noting that the total amount of Out of Home (personal possessions) cover for unspecified items is £10,000. The combined total of cover for unspecified and specified items cannot exceed £15,000.

You can find the full details of the conditions and exclusions that apply to this add-on in the Out of Home Cover for Personal Possessions and Valuables section of your policy document policy that you can access through the ‘My account’ section of our website.

If you don’t have a policy with us, you can read more in this sample policy document and get a quote here.

Do I need to declare any items to be covered under my Home Insurance policy?

Contents Insurance 

We can cover lots of things under our Contents Insurance Policy (including those all-important personal items like your bike/bicycle, laptop, phone, jewellery and watch!). You can read more about what can and can’t be covered under the policy here.

You don’t need to itemise all your things to be covered - so we won’t ask for a specific list of your items. You do need to select a cover level high enough to cover all your things, though. You can use our Contents Calculator to help with this. 

You may need to declare certain items, but you’ll be asked to do this during the quote process if it is relevant. These will most likely be expensive items and/or items you want to cover outside the home.

For our optional Out of Home cover for example, you would need to specify any items worth over £2,000 for them to be covered outside the home. For more information on our optional Out of Home Cover, please head to this article. 

It’s important to read the wording of the policy document to check that you’re happy your policy covers your belongings and circumstances. If you already have a policy, you can review this in the policy document that you can access through the ‘My account’ section of our website. If you don’t have a policy with us, you can review this before checking out and also read the sample policy document here. 

Buildings & Contents Insurance

We can cover lots of things under our Building and Contents Insurance Policy, (including those all-important personal items like your bike/bicycle, laptop, phone, jewellery and watch!). You can read more about what can and can’t be covered under the policy here.

You don’t need to itemise all your things to be covered - so we won’t ask for a specific list of your items. You do need to select a cover level high enough to cover all your things, though. You can use our Contents Calculator to help with this. 

You may need to declare certain items, but you’ll be asked to do this during the quote process if it is relevant. These will most likely be expensive items and/or items you want to cover outside the home.

It's worth noting, our Building & Contents policy has a single item limit of £15,000.  This is the maximum amount we will pay you in any single claim per item, or your contents cover level, whichever is less. 

It’s important to read the wording of the policy document to check that you’re happy your policy covers your belongings and circumstances. If you already have a policy, you can review this in the policy document that you can access through the ‘My account’ section of our website. You can review this before checking out and also read the sample policy document here. 

Buildings Only Insurance

We can cover lots of things under our Buildings Insurance Policy. You can read more about what can and can’t be covered under the policy here.

It’s important to read the wording of the policy document to check that you’re happy your policy covers your circumstances. If you already have a policy, you can review this in the policy document that you can access through the ‘My account’ section of our website.  You can review this before checking out and also read our sample policy document here.

Select By Urban Jungle Insurance

We can cover lots of things under our Select by Urban Jungle Buildings and Contents Insurance policy, (including those all-important personal items like your bike, laptop, phone, jewellery and watch!). You can read more about what can and can’t be covered under the policy here.

You don’t need to itemise all your things to be covered - so we won’t ask for a specific list of your items. You do need to select a cover level high enough to cover all your things, though. 

You can use our Contents Calculator to help with this. 

You may need to declare certain items, but you’ll be asked to do this during the quote process if it is relevant. These will most likely be valuable items that you want to cover inside and outside the home. The maximum amount we would pay in a claim for any single valuable is 10% of your total contents cover limit.

It’s important to read the wording of the policy document to check that you’re happy your policy covers your belongings and circumstances. If you already have a policy, you can review this in the policy document that you can access through the ‘My account’ section of our website. You can review this before checking out and also read the sample policy document here.

3. Is there a single item limit on your policies?

Contents Insurance

With our Contents Insurance policy, there is no limit on the amount covered for one single 

item inside the home, apart from bicycles, which we can only cover up to a value of £2,000.

You won't need to declare any high value items for them to be covered inside the home, you just need to ensure that the total cover level you've selected is enough to cover the total value of your personal items and contents. 

To cover items outside of the home, you would need to add ‘Out of Home Cover for Personal Items’ to your policy. You can include this add-on during the quote process when you purchase a policy, or through the My Account section of our website if you already have a policy.  If you don’t have a policy with us, you can also find more information in our sample policy document.For ‘Out of Home’ cover, any item valued over £2,000 must be specified on the policy. It’s worth noting that the maximum combined cover level for ‘Out of Home’ cover is £15,000. You can find more information about ‘Out of Home’ cover in this article.

Buildings & Contents Insurance

With our Buildings & Contents Insurance policy, the maximum amount we will pay you in any single claim per item is £15,000, or your contents cover level, whichever is less. 

It’s also worth noting that you don’t need to specify items for them to be covered within the home. You just need to ensure that the total cover level you’ve selected is enough to cover the total value of your buildings and contents.

To cover items outside of the home, you would need to add ‘Out of Home Cover for Personal Items’ to your policy. You can include this add-on during the quote process when you purchase a policy, or through the My Account section of our website if you already have a policy. If you don’t have a policy with us, you can also find more information in our sample policy document.For Out of Home Cover, any item valued over £2,000 must be specified on the policy. The maximum combined cover level for ‘Out of Home’ cover is also £15,000. You can find more information about ‘Out of Home’ cover in this article.

Select By Urban Jungle Insurance

With our Select by Urban Jungle Buildings and Content Insurance policy, the most we will pay for any single valuable depends on your total contents cover level. When you take out a policy, you’ll have to declare valuables in your home worth over 10% of your total contents cover level chosen.

To cover items outside of the home, you would need to add ‘Out of Home Cover for Personal Items’ to your policy. You can include this add-on during the quote process when you purchase a policy, or through the My Account section of our website if you already have a policy. If you don’t have a policy with us, you can also find more information in our sample policy document and get a quote here.

For Out of Home cover you must individually specify any single item, or collection forming a set, that is valued over £2,500 that you want covered outside your home. The total value of all specified items you add here cannot exceed £15,000.

4. Are your Home Insurance Policies ‘new for old’? 

Contents and Buildings & Contents Insurance

In the event of a claim on our Contents or Buildings & Contents policies, when there has been total loss or destruction of any item, this policy replaces most items on a "new-for-old" basis. A deduction for depreciation and wear and tear will be made for items such as mobile phones, bikes, and laptops.

Refurbished phones and laptops are treated as new at the point they were purchased by you, and should be insured at their refurbished value. 

You can read more about this in the “How your Claim will be Settled” section in your policy document that you can access through the My Account section of our website. If you don’t have a policy with us you can read more in our Contents sample policy document, and our  Buildings & Contents sample policy document.

Select By Urban Jungle Insurance

In the event of a claim, phones, laptops, bikes and clothes will be replaced based on their depreciated value (10% deduction per year for wear and tear from purchase). All other covered items will be replaced new-for-old.

It’s worth noting that the full replacement value of your contents should not exceed the level of cover you’ve chosen. If your cover level is lower than this value, your claim payout may be reduced. 

You can read more about the claims process in your policy document, which you can find by logging into the ‘My Account’ section of our website. If you don’t have a policy with us, please refer to this sample policy document.

5. Can your Home Insurance policies cover refurbished phones and laptops?

Contents, and Buildings & Contents Insurance

Refurbished items can be covered under our standard Buildings & Contents policy, as long as they meet the policy conditions. A refurbished item is treated as new from the date you purchased it.

For example, if an item was originally manufactured in 2016 but you bought it refurbished in 2019, we would consider it new from 2019. Please keep in mind that for certain items, like mobile phones, we will take off an amount for wear and tear and depreciation. For more information on how this is calculated you can check out the “How your claim will be settled” section of your policy document that you can access through the ‘My Account’ section of our website.

If you don’t have a policy with us, you can also find more information in our sample policy document.