Every 35 seconds, someone chooses MORE THAN ^

Every 35 seconds, someone chooses MORE THAN ^

Protecting customers with insurance since 2001

Boy on chair with toy dropped.
Home insurance

Contents insurance

Our Standard and Extra cover protects you against theft from sheds and garages. They also cover contents in the garden.

Boy on chair with toy dropped.

Defaqto contents insurance logo.

Defaqto 5 Star rated contents insurance

We put you at the heart of everything we do, and that includes offering Defaqto 5 Star rated Extra contents cover.

Do you have home insurance with us?

Visit our existing customer page to find out how to make changes to your policy. You can also read our FAQs for answers to key questions.

What is contents insurance and do I need it?

Contents insurance is for your movable belongings, furniture, appliances and carpets. Your home will be covered against damage by fire, storm, flood and other similar causes.

Do I need contents insurance?

Contents insurance isn't a legal requirement. But if you’re a homeowner, student or tenant, this type of insurance could be for you.

Why choose our contents home insurance?

We offer 3 levels of contents cover to suit your needs. You'll also get access to a 24-hour claims helpline and the following benefits:

Comprehensive contents cover

We'll cover your contents against fire and theft in the home. Mobile phones, laptops and bicycles are all included.

Up to £25,000 alternative accommodation cover

You'll get up to £10,000 cover with our Essentials cover, up to £15,000 with Standard, and up to £25,000 if you choose Extra.

Garages, sheds and outbuildings

We can cover you for theft from your outbuildings. You'll get up to £5,000 cover with our Standard cover. This goes up to £10,000 if you choose Extra. Sports equipment, like bicycles, is also included.

Food in the fridge or freezer

You'll get up to £500 cover with our Essentials cover. This goes up to £1,000 if you choose Standard or Extra.

What does contents insurance cover?

Insured events include theft, fire, water leaks, vandalism, malicious damage, and storms and flooding. So you'll be covered if any of the following items are lost, damaged or stolen:

  • Furniture
  • Clothes and accessories
  • Televisions, laptops and mobile phones
  • Audio and video equipment
  • Kitchen appliances
  • Bicycles
  • Fridge and freezer food
  • House keys
  • Jewellery
  • Office equipment
  • Collections, like antiques
  • Personal cash (included with Standard and Extra)

When getting a home insurance quote, you’ll need to specify any items worth over £2,000 that you take out of the home.

What's not included in our contents cover

  • Damage as a result of normal use or ageing, maintenance of your home or routine decoration. This is sometimes known as wear and tear
  • Theft from any garage or outbuilding over £10,000. This is the limit of our Extra cover

Full exclusions can be found in our policy wording.

Moneyfacts home insurance.

5 Star rated contents cover for your home

We’ve been awarded a Moneyfacts 5 Star rating for our Extra contents cover.

Compare our contents insurance cover levels

There are 3 levels of cover. Take a look at what's included with each.

Essentials

Standard

4 Star Moneyfacts rated contents cover

Extra

5 Star Moneyfacts rated contents cover

Contents

Contents

Valuables - inner policy limit

Valuables - inner policy limit

Valuables - single item claim limit

Valuables - single item claim limit

Up to £2,000

Up to £2,000

Up to £2,000

Alternative accommodation

Alternative accommodation

Up to £10,000

Up to £15,000

Up to £25,000

Loss or theft of keys

Loss or theft of keys

Up to £1,000

Up to £1,000

Up to £1,000

Food in the fridge or freezer

Food in the fridge or freezer

Up to £500

Up to £1,000

Up to £1,000

Bicycle cover away from home

Bicycle cover away from home

We'll cover bikes away from home if you add personal possessions. You can choose a total cover amount of up to £15,000 for items you don't specify to us. You'll need to tell us about any bikes worth over £2,000

We'll cover bikes away from home if you add personal possessions. You can choose a total cover amount of up to £15,000 for items you don't specify to us. You'll need to tell us about any bikes worth over £2,000

We'll cover bikes away from home if you add personal possessions. You can choose a total cover amount of up to £15,000 for items you don't specify to us. You'll need to tell us about any bikes worth over £2,000

Personal liability cover

Personal liability cover

Up to £2 million

Up to £2 million

Up to £2 million

Special event cover

Special event cover

Up to £10,000

Up to £10,000

Loss of domestic heating oil or metered water

Loss of domestic heating oil or metered water

Up to £3,000

Up to £5,000

Theft from outbuildings

Theft from outbuildings

Up to £5,000

Up to £10,000

Student belongings cover

Student belongings cover

Up to £5,000 cover for student's contents at college or university

Up to £10,000 cover for student's contents at college or university

Contents in the garden

Contents in the garden

Up to £3,000

Up to £5,000

Business equipment

Business equipment

Up to £5,000

Up to £10,000

Money in the home

Money in the home

Up to £500

Up to £1,000

Employers liability

Employers liability

Up to £5 million

Temporary removal

Temporary removal

Up to £10,000

Matching items cover

Matching items cover

24/7 home emergency cover*
24/7 home emergency cover*

Optional

Up to £1,000 per claim

Optional

Up to £1,000 per claim

Up to £1,000 per claim

Optional

Optional

Optional

Up to £15,000 for unspecified items in and outside the home

Optional

Up to £15,000 for unspecified items in and outside the home

Optional

Up to £15,000 for unspecified items in and outside the home

Optional

Up to £100,000 per claim

Optional

Up to £100,000 per claim

Up to £100,000 per claim

*Must use a MORE THAN authorised tradesperson.

Additional cover to go with your contents insurance

These cover options can be added when you choose home insurance with us. This can be contents and buildings or each as standalone cover:

Start a home insurance quote

Other types of home insurance

Please note:

*You must use a MORE THAN authorised tradesperson. If your policy number starts with HI, home emergency assistance isn't available during the first 7 days after taking out your policy.