Contents Insurance
Protect your furniture and belongings
Do you already have a policy with us?
Make a claim, renew your policy or get help with your home insurance.
What's contents insurance?
Contents insurance protects the belongings inside your home from damage caused by things like fire, vandalism or theft. That includes your furniture, TV, clothes and more.
Why choose More Than Contents Insurance?
Manage your policy with ease
With MyMoreThan, you can easily check your documents, contact us and more.
Three levels of cover
Choose the level of cover that suits you and your needs best - from More Than to More Than Premium.
No fees to change your policy
Unlike other insurers, we won't charge you a fee to make changes to your cover during your policy.
What does contents insurance cover?
Here are some of the situations your contents insurance will cover:
Storms
Cover if your home is damaged by severe weather, as long as your home is looked after properly. We don't cover fences, gates or hedges.
Leaks
Support if you have a burst pipe or other plumbing damage.
Theft and
vandalism
Protection from theft and damage caused by criminal activity.
Fire and smoke
Cover if fire or smoke damages your home or belongings.
Log in to MyMoreThan to check your policy documents.
What's not covered
Here are some things your buildings insurance won't cover:
- Damage caused by wear and tear or a lack of maintenance.
- Breakdown of appliances.
- Loss or damage caused by pests.
- Loss or damage caused by pets chewing, scratching, tearing, fouling or vomiting.
- Claims where the excess is more than the value. For example, if the damage to an electrical appliance is £100 but you have a £200 excess, you can't make a claim.
- Claims where you've left your home unoccupied for longer than the 'days unoccupied limit' and haven't told us.
Compare our contents insurance cover levels
The table below shows the standard benefits and maximum limits of each level of cover. You can customise these when you get a quote, and add optional cover like Personal Possessions.
We have three levels of cover for you to choose from:
| Feature |
More Than |
More Than Plus |
More Than Premium |
|---|---|---|---|
|
Contents value |
|||
|
Contents value |
Chosen by policyholder, up to £120,000 |
Chosen by policyholder, up to £120,000 |
Chosen by policyholder, up to £120,000 |
|
Alternative accommodation |
|||
|
Alternative accommodation |
£15,000 |
£20,000 |
£25,000 |
|
Theft from garages and outbuildings |
|||
|
Theft from garages and outbuildings |
£1,500 |
£2,000 |
£7,500 |
|
Oil or water leaks |
|||
|
Oil or water leaks |
£500 |
£1,500 |
£2,500 |
|
Contents cover away from home |
|||
|
Contents cover away from home |
|
£5,000 |
£11,250 |
|
Contents at university |
|||
|
Contents at university |
|
£2,500 |
£5,000 |
|
Visitor's belongings |
|||
|
Visitor's belongings |
|
£1,000 |
£2,000 |
Policy documents
To learn more about what your policy does and doesn't cover, read your policy documents.
How to get a quote
Right now, we're only selling contents insurance policies through price comparison websites.
Follow the steps below to get a quote.
Visit a price
comparison website
Go to a price comparison website and answer some questions about you and your home.
Check your
quote
Check through the quotes you're offered, including More Than Contents Insurance. If you're happy with our price, click to proceed with us.
Confirm your
details
Make sure your details are right, that you're happy with the cover, and then click confirm.
The price comparison website will securely pass us your information, and we'll set you up with a policy and an account.
It's not a legal requirement to have contents insurance, but it can be useful to have.
If your belongings were all damaged or even destroyed, it would be very expensive to repair or replace them all.
Contents insurance will help cover those costs.
It depends on a few different factors, including things like:
- how safe the area you live in is
- if there's a flood risk
- claims you've made in the past
Most of it depends on how much your belongings are worth.
If your belongings are worth a lot of money, your insurance will likely be a bit more expensive. That's because we need to make sure you have enough cover for all your contents.
Yes, it does.
You'll just need to let us know if your phone is worth over £2,000. That's because it's classed as a high-risk item, and we need to know about it to get you the right cover.
Yes, your contents insurance will cover you if your belongings are stolen.
Make sure you report the theft to the police and get a crime reference number. We'll need it to process your claim.
You can claim any time after your policy start date.
You can't make a claim for something that happened before your policy start date.
For example, if your home was burgled a day before you took out your policy, you wouldn't be able to claim.
For more information, visit our home insurance FAQs page.
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