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

5 Star rated contents cover for your home
We’ve been awarded a Moneyfacts 5 Star rating for our 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
- Any damage resulting from normal use or ageing. For example, fading curtains or worn cushions
- 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.

Defaqto 5 Star rated contents insurance
We put you at the heart of everything we do, and that includes offering Defaqto 5 Star rated Standard and 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
3 Star Defaqto rated contents cover
Standard
5 Star Defaqto rated contents cover
Extra
5 Star Defaqto 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
Tenants liability
Tenants liability
Up to £5,000
Up to £10,000
Up to £15,000
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 cover. You can choose a total cover amount of up to £15,000 for unspecified items. 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 cover. You can choose a total cover amount of up to £15,000 for unspecified items. 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 cover. You can choose a total cover amount of up to £15,000 for unspecified items. 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
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
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
Optional
Optional
Up to £1,000 per claim
Contents accidental damage
Contents accidental damage
Optional
Optional
Optional
Up to £15,000 for unspecified items
Optional
Up to £15,000 for unspecified items
Optional
Up to £15,000 for unspecified items
Optional
Up to £100,000 per claim
Optional
Up to £100,000 per claim
Up to £100,000 per claim
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
Useful guides
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.