Your apartment is broken into while you're at work. The thief takes your laptop, camera, and jewellery. Your household contents insurance covers the cost to replace these stolen items.

You lock your bike outside a café with an approved lock. Later, it gets stolen - even though it was in a public area. Since it was properly secured, the theft is covered by your insurance.

You're walking home when someone uses violence to snatch your backpack. The insurance covers the value of the stolen items, such as your smartphone and wallet.

You forget to turn off the water while filling the bathtub, and it overflows, flooding your floor and damaging your carpets and electrical appliances. Your policy covers the repair or replacement of the damaged items.

A candle tips over and starts a fire in your living room. The flames damage your couch, TV, and curtains. The insurance pays to replace your destroyed furniture and electronics.

During a heavy storm, strong winds blow open a window. Rain enters your apartment and ruins your carpet and wooden shelves. The damage is covered.

A lightning strike causes a power surge in the building, destroying your TV and freezer. Your insurance covers the cost of replacements — including the food that was stored in the freezer.

After a party in your building, someone breaks into your basement and smashes your stored furniture. Your household contents insurance covers the vandalized items.