What is an example of an automatic cover included in contents insurance?

In contents insurance, automatic cover typically refers to protections that come standard with the policy, without the need for additional endorsements or riders. Accidental breakage is a prime example of automatic cover included in many contents insurance policies. This means that if a covered item, such as furniture or electronics, is damaged due to an unintentional act—such as dropping a glass table or accidentally breaking a television—policyholders can claim compensation for repairs or replacement of the item, adhering to the terms of their coverage.

The other options, while relevant to various aspects of insurance, do not generally represent automatic covers in contents insurance. Theft protection for valuable items often requires separate, specific coverage or endorsements. Legal liabilities incurred through ownership pertain to liability insurance rather than contents insurance, and damage due to unintentional negligence typically falls outside standard coverage, as such claims may not be deemed "accidents" in the context of insurance policies. Thus, accidental breakage stands out as a clear example of what is commonly included as automatic cover in contents insurance.