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Contents insurance comparison
Compare contents insurance to protect your furniture, electronics, valuables and belongings against theft, fire and accidental damage, in and outside the home.
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StandardContents cover, £50k sum insured
StandardContents cover, £40k sum insured
Quotes sorted by indicative annual premium (low to high)
Prices shown are indicative UK market rates for comparison only. Your actual premium will depend on your property, location, claims history and level of cover.
What is contents insurance?
Contents insurance covers the things you own inside your home — furniture, electricals, clothing and personal belongings — against theft, fire, flood and, with add-ons, accidental damage.
Unlike buildings insurance it is optional, but most people insure the value of their possessions given how expensive furniture and electronics are to replace.
What are the benefits of contents insurance?
Covers theft and burglary
Replaces stolen items and often damage caused during a break-in.
Optional accidental damage
Add-on cover for spills, breakages and DIY mishaps that standard policies exclude.
Cover away from home
Many policies extend limited cover to belongings taken out of the house.
What does contents insurance include?
Furniture and appliances
Sofas, white goods, electronics and everyday household items.
Theft and burglary
Stolen items and damage caused during a forced entry.
Fire, flood and storm
Loss or damage to belongings from these named perils.
Valuables cover
Jewellery, art and other high-value items, usually up to a set limit.
Accidental damage
Optional cover for spills, breakages and everyday accidents.
Personal possessions away from home
Limited cover for items taken outside the property.
How does contents insurance pricing work?
Insurers price on the total sum insured needed to replace everything you own, your postcode's crime rate, and the security measures fitted to your home.
Specified high-value items such as jewellery or art usually need to be individually listed, often with a valuation, and are priced separately from the general contents limit.
Do you need contents insurance?
Renters and homeowners alike benefit, since landlords' buildings policies never cover a tenant's own possessions.
Anyone with furniture, electronics or valuables they could not comfortably afford to replace outright should consider a policy.
How to choose contents insurance
Calculate your sum insured properly using an online calculator rather than guessing, check the single-item limit covers your most expensive possessions, and confirm whether accidental damage and cover away from home are included or need adding.
How to save money on contents insurance
Fitting locks and alarms, paying annually, and increasing your voluntary excess slightly can all reduce premiums. Avoid insuring more than your possessions are actually worth, and review your sum insured each year at renewal.
Related guides
These guides might help.
Sum insured vs bedroom rated cover
How buildings and contents insurers calculate what you need, and why underinsuring is a common costly mistake.
What voids a home insurance claim
Unoccupied periods, unreported alterations and lapsed alarms are among the most common reasons claims fail.
Renting out a property you used to live in
Why standard home insurance stops working the moment you get a tenant, and what to switch to instead.
FAQs
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Written by the Grow Your Business personal finance team