to add to that, check your schedule.

If this is the case with your policy its usually added as an endorsment, rather than being detailed under the contents section of your polic wording (although this will contain the same restriction should your property be let, sub let, or shared with non family members).
Some insurances (for example certain Legal and General policies) will only exclude claims for money on this basis, some may pay general contents but exclude valuables.

Posted By: megson, Jan 15, 12:47:00