How your contents are covered
Which contents items are automatically covered in initio’s policy?
You may know some items need to be specified, but what about the rest of your belongings?
We’ve created a simple guide answering common “am I covered?” questions to help you see what’s usually included. It’s only a starting point, so check your policy wording for full details. If you’re still unsure, reach out to us or use an AI search tool to review your policy, and always double-check the results. Read the full guide
Which items need to be specified?
Some belongings have a sub-limit, which means there’s a cap on how much we’ll pay for them. If an item is worth more than the limit shown in our support guide, you can list it as a specified item. Learn which items need to specified
What contents are covered for market value?
Most contents under our own home policy are covered on a new-for-old basis. However, some items are paid at their current market value instead.
Other criteria and limits apply, so check your policy wording for full details. Check which items are covered for market value
