The right policy can cover the cost of replacing your contents if they are stolen or destroyed.
To find the best policy, think about:
What you want to cover e.g. furniture, electrical appliance or valuables
How much the contents you want to cover are worth
What is covered?
A contents insurance policy could offer:
Accidental damage protection: This covers any unintentional damage to your belongings, for example knocking your TV over.
New for old cover: Your insurer will replace broken or stolen items with a new one. Some policies only offer indemnity cover, which takes away the cost of wear and tear.
Personal possessions cover: This protects your contents outside your home, for example your mobile phone. This can be extended to cover you when you go abroad.
Check each policy carefully to make sure these benefits are included. Many insurers include them as standard, but others only offer them as an extra you need to pay for.
Calculate how much cover you need
Your policy should cover the cost of replacing all your belongings.
Most insurers set the claim limit based on the number of rooms in your home.
If the limit you are offered is not enough you can request a higher amount. To work out how much all your contents are worth go through each room and work out the value of:
Your sofas and other furniture
TV and electricals
Books, DVDs and computer games
Carpets, curtains and other soft furnishings
Cover your valuables
You can also cover your valuables, like jewellery and art work.
Most policies cover your valuables in two ways:
An individual cover limit per item, e.g. £2,000
An total cover limit for all your valuables, e.g. £15,000
This comparison shows what cover each insurer offers per valuable. Compare as many quotes as possible to find the right cover for you at the cheapest price.
Contents insurance FAQs
Should I get contents insurance if I rent?
Yes, it is your responsibility to cover your personal belongings, but you should not need buildings insurance if you rent or live in a block of flats.
Will I have to pay anything if I claim?
Yes, your policy will have an excess you have to pay if you claim, which you might be able to adjust when you apply. Find out how excesses work here.
How can I pay for my contents insurance?
You can pay in one up front annual payment, or spread it over the term of the policy in monthly instalments, but this could cost more overall.
Will my contents be covered away from my home?
Yes, if the policy offers personal possessions cover. If your insurer does not offer this as standard, you may be able to add it for an extra cost.
Can I cover my bike with my contents insurance?
Some insurers cover bicycles kept outside as standard, as long as they are locked up. Others offer this as an extra benefit you can add to your policy.
About our home insurance comparison
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