Like the Houseowners policy, Householders insurance is tailored made for the private dwelling premises and provides coverage for the Contents therein. Its cover is equal to that in the Fire Insurance plus additional cover like the under mentioned:

Loss of contents insured arising from theft or attempted theft. Covers contents temporarily removed from the private dwelling. Breakage of mirrors. Compensation for death of the Insured occasioned by outward and visible violence caused by thieves or by Fire. Loss or damage caused to clothing and personal effects of the Insured's domestic servants. Liability to the public in respect of accidents in or about the private dwelling house. Reasonable additional expenses necessarily incurred by the Insured at a hotel or lodging house in consequence of the premises so damaged as to render it uninhabitable.

Although the Householders Insurance package is more expensive when compared to the same perils in the Fire Insurance (at 0.398% against 0.187% for a detached or attached house of class 1A construction) the wider coverage provided makes it well worth the consideration.