What sum insured should I have on my contents?

Your sum insured should represent the full cost of replacement as new less an allowance for wear, tear and depreciation on clothing. We have a room by room guide that we can give you to help with this process.

What sum insured should I have on my contents?2017-08-15T18:35:49-05:00

If my Contents sum insured does not represent the full cost to replace everything as new will partial losses up to this figure be paid in full?

Only if the sum insured represents at least 85% of the replacement value, which is a special concession offered by Cayman First. The Condition of Average principle will still apply if value is less than 85%. If the value is less than the 85% then you will be considered your own insurer for the difference [...]

If my Contents sum insured does not represent the full cost to replace everything as new will partial losses up to this figure be paid in full?2017-08-15T18:35:03-05:00

Are the contents also covered outside the home as well as inside it?

Apart from the cover under Contents Temporary Removed, they are only covered inside so do not include any items you wish to be covered outside your home under Contents as they need to be covered under the All Risks (Personal Possessions) section.

Are the contents also covered outside the home as well as inside it?2017-08-15T18:34:24-05:00