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Home insurance

Contents insurance

On average, our contents insurance customers pay £69 a year.

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Excludes optional extras. Based on new customers who purchased upgraded or standard (primary) contents cover. MORE THAN data from 1 July to 31 December 2020.

What is contents insurance?

Contents insurance covers the items in your home that could be taken with you if you moved house including furniture, carpets, laptops and clothing. 

We'll pay to repair or replace the contents of your home if they're lost, stolen, or damaged by something covered by your policy, for example, a flood or fire.

You can purchase home contents insurance separately or combined with buildings cover.

What's included in our MORE THAN home contents cover

Contents cover levels

Standard contents cover (primary)

What's included as standard

Upgraded contents cover

Learn what extra cover you get with our upgraded cover

Up to £100,000 home contents cover

Up to £100,000 cover for your contents

Home emergency assistance up to £200

Must use a MORE THAN authorised tradesperson.  The cover is not available for the first 7 days the policy is taken out.

Home emergency assistance up to £200

Must use a MORE THAN authorised tradesperson.  The cover is not available for the first 7 days the policy is taken out.

Up to £15,000 alternative accommodation

Up to £15,000 alternative accommodation 

Up to £1,000 locks and keys

Up to £1,000 locks and keys

Up to £500 freezer food

Up to £500 freezer food

Up to £7,500 for computer and office equipment. Ideal for when working from home

Up to £7,500 for computer and office equipment. Ideal for when working from home

Cover for a special event, such as Christmas, birthdays and an anniversary

We’ll increase your contents cover by 10% 1 month before and after a special event, such as Christmas, birthdays and an anniversary

Garden contents cover, including trees, plants, hedges & shrubs 

Up to £2,000 garden contents cover, including lawnmowers and garden tools. And up to £2,000 for trees, plants, hedges and shrubs

Contents cover for your children whilst at college and university

Up to £11,250 for your children contents when they go to college or university

How do I get upgraded cover?

Add upgraded contents cover in the optional add-on section when getting a home quote.

What does MORE THAN contents insurance cover?

What items are covered?

  • Sofas, curtains, blinds and other soft furnishings
  • Tables, chairs and cabinets
  • Clothes, shoes and accessories
  • Televisions, personal computers
  • Kitchen utensils and appliances
  • Mobiles, audio and video equipment
  • Jewellery and articles of precious metal, clocks and watches
  • Office equipment, includes computers, laptops, desks and chairs
  • Pictures, works of art and collections.

What events are covered?

  • Theft
  • Fire
  • Water leaks
  • Vandalism
  • Malicious damage
  • Storms and flooding.

What's not included

  • Gradual wear and tear of your belongings, for example, fading curtains or worn cushions.
  • Theft from any garage or outbuilding over £3,000
  • If your home has been left unoccupied for 60 days or more.

Full exclusions can be found in our policy wording.

Our cover options

These cover options are not included as standard but you can add to your home policy

Tell us about your valuable items

When getting a home quote, you need to tell us about your belongings worth over £1,000 you take out of the home. This is called specified item cover. You need to tell us about high-risk items too. These are items in the home that are more likely to be stolen such as jewellery, watches, TVs, computers, cameras and paintings.

Start a home insurance quote

Who is contents insurance for?

Contents insurance is not a legal requirement but is a good idea for many including:

Homeowners

By having contents cover you ensure your belongings in your home are covered too if the worst should happen.

Renters and lodgers

If you’re renting or living in a flat, you can buy home contents insurance to cover loss or damage.

Students

Making sure you take care of your belongings is really important. Buying contents cover for items, such as your mobile phone, laptop and clothes against theft, loss or damage can help avoid any unexpected expense.

Our handy student guide gives tips when away from home.


For parents, there is the option to upgrade your contents cover and we'll give you up to £11,250 when your children go away to study, to cover their belongings, for example, going to university.

Landlords

As a landlord, it's important to have the right insurance. Home insurance doesn't always give you the right level of cover. Our landlord contents insurance ensures that your belongings in your property are insured if things go wrong.

Moneyfacts logo home insurance awarded 5 stars from 2017 to 2021.

Our upgraded contents cover is rated 5 Star by Moneyfacts

Our upgraded contents cover has been awarded Moneyfacts 5 Star rated for 5 years running because of all of our benefits. These include cover for:

  • Loss or damage to items in your garden
  • Your contents that you take temporarily away from your home
  • A special event, such as a birthday or anniversary. We increase your contents cover by 10% one month before and after the event.

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How much contents insurance do I need?

We give you up to £100,000 contents cover as standard. It's easy to under insure your contents so it's important you have the right level of cover if the worst should happen.

The easiest approach is a pen and paper and going through each room. Don't forget curtains, blinds and carpets. We worry about our kitchen appliances but we forget that blind in the window. Another consideration is your clothes and shoes. It's surprising how quickly that all adds up. Our useful guide about how to calculate your contents can help make sure nothing gets missed.

For some items such as works of art, you will need to supply a valuation.

Looking for another cover option