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What is contents insurance?
Protect your belongings in your home against things like flood, fire and theft.
A quick summary
Contents insurance protects the things that make your home feel like yours. This includes your bed, sofa, computer, clothes and jewellery.
If you ever lost all your possessions in a fire or flood, it would cost a lot to replace them.
Contents insurance covers the cost to repair or replace any items that are:
- Damaged
- Destroyed
- Stolen
Keep in mind that with all of our cover, there are limits, terms and exclusions. Our policy documents tell you more about what is and isn’t covered.
Do I need contents insurance?
Unlike with buildings insurance, your mortgage provider doesn't require that you have contents insurance.
Having the important things in your home protected can offer you peace of mind.
There are lots of reasons you may want contents insurance, including:
- You won't have to pay as much to replace any stolen, damaged or destroyed items.
- Some policies offer access to a legal helpline to give advice and guidance for certain legal problems.
- You can upgrade or tailor your policy to suit your needs.
- It can cover things you may have forgotten about, like garden tools and jewellery.
You can work out how much cover you need by adding up the value of the items in your home. Try to make a list of everything you own and do some online research to understand what it's worth. This way, you'll be able to know how much cover you may need.
How does contents insurance work?
You pay your insurer a premium to cover you if something happens to the things in your home. This could be something like a fire or flood damaging your furniture, or your jewellery is stolen. You can choose to pay:
- Once a year
- Every month. This sometimes costs more overall.
Your insurer will try to repair any damage if something goes wrong. If this isn't possible they will look to replace it on a like for like basis.
Our policy documents tell you more about what is and isn’t covered.
What does contents insurance cover?
Household items and furniture
Home contents insurance covers the items in your home that you would take if you moved house. This may include:
- Clothes
- Washing machine
- Sofa
- Carpets
Gadgets and electronics
Your home contents insurance can also cover gadgets kept in your home. Including:
- TV
- Games consoles
- Tablets
- Mobile phones
Jewellery and medical devices
Your home contents insurance can also cover the following in your home:
- Jewellery
- Watches
- Hearing aids
- Wheelchairs
Some of your belongings may be classed as 'high value items'. These tend to be easy to steal or damage, and are usually expensive to replace. They include computers, televisions, jewellery, watches, clocks and works of art. Your policy documents will show how much these are insured for. Make sure you have enough cover.
Find out more about 'high value items' and their limits in our policy documents where the policy booklet and limit list is provided.
What isn't covered by contents insurance?
Contents insurance won't cover everything. You can add extras to your policy to cover additional 'high value' items or to cover your items when away from the home.
Somethings you may need to pay extra for include:
- Bikes.
- Personal things when they are away from your home. For example, losing your mobile phone.
- Damage caused by accident, such as spilling paint on your carpet.
Keep in mind that with all of our cover, there are limits, terms and exclusions. Our policy documents tell you more about what is and isn’t covered.
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Limits on how much you can claim for
Your policy may have a limit on how much you can claim for certain items. Examples include:
- High value items. There may be a cap on how much you can claim for things like expensive jewellery and gadgets.
- Furniture sets. If a part of a matching furniture set is damaged and can't be repaired or replaced, you may not be covered for the cost to replace the whole set.
- General wear and tear. It's unlikely you'll be able to claim to replace items that have become worn over time.
Keep in mind that with all of our cover, there are limits, terms and exclusions. Our policy documents tell you more about what is and isn’t covered.
Does contents insurance cover fixtures and fittings?
No, contents insurance doesn't cover these. To cover your home fixtures and fittings, you'll need to take out buildings insurance. This type of insurance covers the cost of replacing or repairing damage to things like your fitted kitchen or bathroom in your home.
Our home insurance policies cover both your contents and buildings.
Additional contents cover
There might be things you want to insure that aren't included in your policy, such as:
- Accidental damage. For damage that happens within the home. Included only with Home Insurance Select Silver and Gold, and comes as standard.
- Cover away from home. Protect your items while you’re out of the house. Optional as 'Away from home cover' with Home Insurance Select contents insurance.
Keep in mind that with all of our cover, there are limits, terms and exclusions. Our policy documents tell you more about what is and isn’t covered.
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