What is home contents insurance?
Home contents insurance is a kind of insurance product designed to protect all the things that make your house your home. That’s your sofas, your kitchen sets, your TVs—all the big valuables and little knick-knacks dotted around where you live. Expensive things like jewellery and art usually fall under this umbrella too, so you can cover all the important things under one policy.
Why do you need home contents insurance in the UK?
If your house was robbed, do you know what you’d do next? Or if there was a flood and your possessions were all destroyed? Or a fire? There are hundreds of ways that you can lose all the things that matter to you most, which is why contents insurance exists – to make sure that if any of these events happened, you’d be able to recover or replace what you lost.
Without contents insurance, replacing or repairing items can cost a pretty penny. Maybe you have savings for that, but maybe you don’t; either way, contents insurance will cover the cost so you won’t have to dig deep into your pockets to get things back the way they were. With that peace of mind, you can sit back and relax knowing everything is taken care of.
Types of Home Contents Insurance Plans
- Standard & High-Value Cover: A standard contents insurance policy protects your belongings against theft, fire, or flood damage, with optional add-ons for accidental damage or loss outside the home. If your belongings exceed a certain value (typically over £50,000), a high-value claim cover is ideal — especially for expensive items like jewellery, collectibles, or art.
- Student & Tenants Contents Cover: Designed for people living in shared or rented accommodation. Student contents insurance protects belongings in halls of residence, while tenants contents cover (or renters' insurance) ensures your personal items are protected even though the property itself is insured by your landlord.
- Landlord Contents Insurance: Specifically for landlords, this plan covers household items provided to tenants (like beds, appliances, and furniture) against theft or damage during the rental period — ensuring you're not left footing the bill for replacements.
Benefits of Our Insurance
Protects Your Valuables at Home
- Covers your possessions against fire, theft, and flood
- Optional add-ons for accidental damage and items outside the home
Peace of Mind for Every Situation
- Covers loss due to break-ins, even in shared or rented spaces
- Alternative accommodation included if your home becomes uninhabitable
Tailored for Your Lifestyle
- Options for students, renters, landlords, and high-value assets
- Add-on coverage for personal possessions and business equipment
What’s covered?
What isn’t covered?
Key Features
Claim periods & policy terms
Monthly tax-free payouts
If you need to claim on your income protection insurance policy, you’ll receive up to £2,500 a month (or 65% of your income), completely tax-free.
Excess periods
This is the waiting time between claiming and getting paid. Most people choose a 30-day excess period, but the choice is yours.
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Who should buy home contents insurance?
How much does income protection insurance cost?
Several factors can affect how much your income protection insurance costs, including:
- Your age (with higher premiums for older policyholders)
- Your job (for example, someone who works in a high-risk job like construction would pay more than someone who works a job that’s comparatively lower-risk)
- Your salary (this affects how much money you could claim a month, which affects what you have to pay to keep your cover)
- Your health (you might pay more if you smoke, for example, and pre-existing conditions will always be excluded)
- Your lifestyle (if you go skydiving on your weekends, for example, you’ll probably pay more than someone who doesn’t)
- The length of your excess period (with shorter excess periods costing more and longer ones costing less)
Comparisons
Eligibility Criteria for Income Protection Insurance
Peace of Mind in Any Situation
Peace of Mind in Any Situation
Peace of Mind in Any Situation
Peace of Mind in Any Situation
Peace of Mind in Any Situation
Frequently Asked Questions
Your income protection insurance policy covers your income if you’re too sick or injured to work or if you’ve been made involuntarily unemployed. You agree on an amount you’d like to be paid if this happens — called a ‘benefit’ or ‘benefit amount’ — and if you find yourself unable to work, you make a claim. Your benefit will cover whatever you need it to cover, whether that’s your mortgage payments, your rent, your bills, or even your groceries.
If you successfully make a claim on your income protection insurance policy, you’ll be paid out the benefit amount you selected when you first purchased cover. This will usually be up to either 65% of your income or £2,500.
Yes, income protection insurance is worth the investment, even if you are in the UK. With an income protection insurance policy in your back pocket, you won’t have to rely on your savings, state benefits like Universal Credit (which often aren’t enough to live off of for long), or handouts from loved ones to keep your head above water in the event that you couldn’t work. Think of it like paying into your rainy-day fund; one day, you’ll need it.
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