What does home contents insurance cover?

Find out what our standard contents insurance normally covers.

A home contents policy normally covers the things in your home, whereas a buildings policy covers the fabric of your home such as the walls and roof.

New for old replacements

Contents insurance covers items in the home on a new for old basis.

Causes of damage to your home

Contents insurance also covers damage from:

  • Fire
  • Lightning
  • Storm
  • Earthquake
  • Subsidence
  • Theft, and
  • Escape of water.

Accidental damage

You can tailor your cover further to your needs to include Accidental Damage cover. This can include damage to TVs and computers, carpets and furniture caused by slips, knocking things over, or even birds coming down the chimney and covering your home in soot!

High-risk items

You can extend your insurance to ensure high-risks items such as jewellery or electronic equipment are covered for theft. If your item is worth more than £1000 you will need to let us know.

What else can you cover?

We offer the following optional extras to select for your policy:

Upgrading your cover

We also offer enhanced cover when you upgrade your contents insurance. Our upgraded cover will give you additional cover for special events, cover for items temporarily removed from your home and protection against loss of metered water or oil. Find out more.

  • Personal possessions cover for items such as your valuables, personal effects and clothing
  • Legal expenses
  • Home emergency upgrade
  • Bike cover
  • Personal money cover
  • Cover for specified items out of the home.

To add any of these to your policy please contact us using one of the options below.

Contact us

Email or call


Please include your policy number, name and personal contact information and for security reasons, please don't send payment information via email. We’ll respond to your message within 24 hours, Monday to Friday.

Please note that charges may apply if you call from your mobile phone. Calls may be recorded and monitored.

0330 102 3627

Monday to Friday, 8AM to 8PM | Saturday, 9AM to 5PM | Sunday, 9AM to 4PM.