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Home insurance FAQs

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RIAS Home contents insurance

A home is more than just a roof and four walls - the possessions we keep within it represent a lifetime of hard work and memories.

Each possession is valuable – whether we rely on them to keep our lives running smoothly or simply to make us more comfortable. At RIAS we value the importance of that connection you feel towards your personal possessions and that’s why we offer home contents insurance to ensure they are repaired or replaced if they are stolen or damaged.

RIAS offers comprehensive and competitive premiums for its policyholders and a range of benefits designed just for them. In addition, RIAS also offers buildings insurance, which can be taken out combined with, or separately from a RIAS home contents insurance policy.


Why choose an RIAS home contents insurance policy?

There are a host of benefits with a RIAS home contents insurance policy. These include:

    • New for old replacements: Allowing you to replace damaged or stolen goods with new equivalents (excluding clothing and household linen over three years old) if beyond repair.

    • Cover for accidental damage to electrical equipment: Such as televisions, computers, and DVD players.  

    • Cover for refrigerated and frozen food: Up to £1,000 cover for damaged food in any refrigerator or deep freezer on the property.

    • Identity theft assistance: RIAS provides expert advice and support with a dedicated case manager should someone steal or exploit your private details.

    • Alternative accommodation: Up to 20 per cent (of the maximum claim limit) towards alternative accommodation should your home be made uninhabitable as the result of an insured event.

Home contents insurance optional extras

In addition, RIAS offers a host of optional extras with its home contents insurance. These are available for an additional premium and include: 

  • Extended accidental damage cover: Cover for accidental damage such as spilling red wine on the carpet.

  • Cover for high risk items: Cover for items worth more than £1,500, such as jewellery, watches, or artwork.

  • Cover for pedal cycles: Up to £5,000 cover for bicycles when padlocked to an immovable object.

Terms and conditions apply. Full details can be found in the policy documentation.


Find out more

For full details about RIAS home contents insurance take a look at our FAQs or policy documents.


*Household claims service, provided by Ageas Insurance Limited, has been awarded ServiceMark accreditation from the Institute of Customer Service.