Protecting your home with contents insurance is important. Flooring expenses can range in price from a few hundred pounds to thousand of pounds per room. The cost of the raw materials used on the floor directly affects the replacement cost. When your floors are damaged from natural disasters or plumbing issues, you may wonder does contents insurance cover damage to wooden floors? Contents insurance covers damages that occur to the interior of your home. This includes the flooring. Common damages that occur to wooden floors are from fire or water damage. The flooring may have to be completely replaced. Having contents insurance helps to offset the replacement costs, to make your floors functional. Not having contents insurance, may make it challenging to repair your wooden floors in the event of damage. Wooden flooring is often very expensive to replace and install properly. Since wooden floors can help to increase property values, replacing the floor with tile or vinyl to save on replacement costs may bring the property value down slightly. Shortcuts made in replacing wooden floors with vinyl or tile may cost you more in lost costs later. When it is time to sell your home, buyers may question why one or several rooms in the house are not also wooden floors. Contents insurance helps to protect homeowners as well as renters. If you live in a rented flat, you can help to protect yourself in the event your landlord is under insured. Choose to protect your furniture, flooring, appliances, jewelry, housewares, and electronic equipment from thieves and unexpected problems.