Home Contents Insurance
Simple insurance solutions with expert support to help
to protect what matters most.
1.2M+
Families trust us
15+
Years of experience
Claims
Settled Successfully
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 home 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 home contents insurance, replacing or repairing items can cost a pretty penny. Maybe you have savings for that, but maybe you don’t; either way, home 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.
How exactly does home contents insurance work?
Document the incident
Take photos or videos of the damage to your furniture, and if theft or vandalism was involved, contact the police. List all affected items with estimates of how much they would cost to replace and obtain a crime reference number from the police if needed
Contact us to file your claim
Give us a call or send us an email to submit your claim. Make sure you provide details of what happened, your evidence, and any proof of purchase you might have (like receipts, bank statements, or even user manuals)
Wait for your claim to be assessed
We might need to personally inspect the damage, but once we’ve looked over your claim, we’ll review the best way to move forward before either repairing or replacing your damaged item (depending on what works best)
Do I need home contents insurance?
Home contents insurance is a vital investment for anyone who owns furniture or other belongings that they couldn’t easily replace out-of-pocket if there was something like a fire, a theft, or accidental damage. If you’re a renter, home contents insurance is a great idea (since landlord’s insurance will only cover the building structure, not your personal possessions), but it’s a clever form of protection for homeowners, too. Students living in university accommodation and families with high-value items like electronics, jewellery, or office equipment should consider taking out a home contents insurance policy to protect the things that make their house a home.
What does home contents insurance cover?
What is covered by home contents insurance?
Home contents insurance is designed to cover you and your belongings against a range of perils, but the one that tends to come to people’s minds first is theft. We’ll also cover the contents of your home against damage caused by escaping water, storm or flood damage, fire or explosions, falling trees, and much more.
If you’re worried about your possessions getting damaged while you move homes, we’ll cover you against that, too – and we’ll even throw in tenants liability cover up to £500 for items listed in your tenancy agreement.
For an additional fee, you can also get coverage for accidental damage to your home’s contents, as well as loss, theft of, or damage to your personal possessions away from the home. This cover can go all the way up to £5,000. If you have business equipment in your home that you’re liable for, you can also take out business equipment coverage.
What is not covered by home contents insurance?
There are multiple situations that aren’t covered by home contents insurance, but a good place to start is any claim where your home has been unoccupied for more than 30 days in a row.
If your possessions are stolen while you’re not home, you’ll only be reimbursed if all your doors and windows were locked at the time and there’s evidence of forced or violent entry.
Damage caused by wear and tear won’t be covered, nor will any damage caused by air pollution, domestic pets, or tree felling.
For a full list of exclusions, check the policy documents you received when you purchased your policy.
Types of income protection insurance
There are a range of different forms of income protection insurance for all kinds of people, which is why it’s important to find the policy that’s right for you.
How much is home contents insurance?
Home contents insurance premiums are affected by a whole range of factors, which include:
Value of your possessions
Your premium is calculated based on how much would be required to replace everything inside your home, so higher coverage limits and high-value items can increase what you pay
Your location
Your postcode heavily influences your rate; if you live in an area with statistically high crime or a greater likelihood of flooding, your monthly premium will be higher
Your home security
The security level of your property generally lowers your risk of theft, so if you have approved door locks, window locks, a working burglar alarm, or security system, you’ll pay less
Your claims history
If you’ve made any insurance claims in the last 3 to 5 years, you’ll probably have to pay higher premiums, because you’re more likely to have to make a claim on your home contents policy
Your policy excess
Your policy excess is the amount you’ll have to pay out-of-pocket towards your claim before your policy kicks in. By choosing a higher excess, you’ll pay less in premiums
What are the benefits of home contents insurance?
There are a number of benefits to home contents insurance, including:
The cost of repairing or replacing your personal belongings (like furniture, electronics, jewellery, or appliances) is covered
We offer you peace of mind with the knowledge you won’t have to dip into your savings to repair or recover your possessions;
Theft cover takes some of the stress out of one of the most difficult situations
With our optional add-ons, you can cover personal items even when you’re not home as well as accidental damage or damage to your business equipment.
How much home contents insurance cover do I need?
Working out how much home contents insurance coverage you might need is easy when you break it down into three quick steps:
Go through your home room-by-room (including bedrooms, kitchens, living spaces, and even storage areas) and note down everything you own; whether that’s furniture, decor, or valuables
Estimate how much it would cost you to replace all your possessions, taking special note of any high-value items you might have like jewellery or expensive electronics (because items like these have to be listed individually within your policy)
Tally everything together; that’s how much cover you need, otherwise known as your ‘sum insured’. Use this number while getting quotes so you aren’t left paying out-of-pocket if anything is lost, stolen, or damaged
How much will my home contents insurance pay out?
How much your home contents insurance will pay out depends on your exact policy and total coverage limit (your ‘sum insured’). Most home contents policies pay on a new-for-old basis, which essentially just means that they’ll cover the cost to replace your damaged or stolen items with brand-new equivalents of a similar quality. Your maximum payout is strictly capped by your overall coverage limit, though, with individual sub-limits for specific categories (for example, your valuables will only be covered up to £2,000). For specific policy limits, take a look at your policy schedule.
What do I need to get a home contents insurance quote?
Once you’ve figured out what kind of income protection cover you want, we’ll need some information about you, your occupation, and the type of policy you’re looking for.
Details about your property
We’ll need some basic details about your property (like your postcode, what kind of property you live in, number of residents, and security measures) to give you an accurate quote
Estimated value of possessions
You’ll have to provide us with a total sum insured, which is the calculated replacement cost of all your belongings combined (including things like furniture, clothes, appliances, and other personal items)
Details of high-value items
If you have high-value items that exceed £1,000 in worth (like expensive jewellery, art, or specialised electronics), we’ll need details for them and you’ll also have to specifically list them within your policy as a declaration
Frequently Asked Questions
There’s an old insurance adage that explains it pretty neatly: if you turned your house upside down and shook, contents insurance would cover everything that fell out. Buildings insurance covers the house itself.
Yes, you can cover high-value items! There’s usually a specific valuables section in the purchasing process where you can outline what high-value items you possess, what they’re worth, and what kind of coverage you want for them.
That depends on your specific policy. Most home contents insurance policies don’t offer coverage for possessions outside the home, but you can add this coverage on for an extra premium if you think you need it. With our add-on, your possessions will be protected against theft and damage even when you’re out and about!
Home contents insurance isn’t a legal requirement for anyone, but if you’re a renter, it’s probably a good idea. It’s a neat, no-fuss way to make sure that everything important to you – your valuables, your electronics, your furniture – is protected against theft and damage, even in the worst-case scenario like a flood.
No, accidental damage coverage does not tend to be automatically included in home contents insurance policies. We do offer an accidental damage add-on, though, so for a slightly higher premium you gain the peace of mind that comes with knowing your possessions are covered against accidental damage, no matter the type.
Proven Through Performance
Our journey is defined by successful collaborations, innovative digital products, and measurable outcomes that help businesses grow, scale, and stay ahead in an ever-evolving digital landscape.
A+
Rated Insurers
Almost every insurance partner we work with has been rated A+, giving you peace of mind about your cover.
Policies Issued
Over 1.2 million policies sold, helping individuals and businesses secure their future.
Customer Satisfaction
98% of our policyholders are satisfied with our services and support.
We're here to help!
Choose your most convenient way to contact us: