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What is Contents Insurance?
Home Contents Insurance protects the belongings inside your home—from furniture and electronics to clothing and valuables. It covers unexpected events like theft, fire, and accidental damage, giving you peace of mind.
Whether you're a homeowner, renter, or landlord furnishing a property, contents insurance ensures your possessions are financially protected.
Who Needs Contents Insurance?
Anyone with belongings they couldn’t afford to replace at once should consider it, including:
- Homeowners – Protect everything you’ve worked hard to buy.
- Renters – Your landlord’s insurance won’t cover your stuff.
- Landlords – If you furnish the property, you can cover items like white goods and furniture.
- Students – Cover laptops, gadgets, and essentials in shared housing.
- Families – From tech to toys, make sure your home’s contents are protected.
Why is Contents Insurance Important?
It only takes one fire, flood, or burglary to lose thousands of pounds worth of belongings. Contents insurance helps you recover the cost of replacing what’s inside your home without the financial burden.
Common risks it protects against include:
- Theft or Burglary – Replaces stolen belongings after a break-in.
- Accidental Damage – Covers mishaps like spilled drinks on your laptop.
- Fire or Flood – Compensation for damaged furniture, appliances, and personal items.
- Valuables Outside the Home – Add-on cover for items like jewellery or phones when you’re out and about.
What’s Typically Covered?
- Furniture and appliances – Including sofas, TVs, and kitchen goods.
- Personal belongings – Clothes, gadgets, books, etc.
- High-value items – Jewellery, watches, bikes (limits may apply).
- Food in your freezer – If it spoils due to a power cut.
What’s Not Covered?
- Wear and tear or gradual deterioration.
- Items not declared that exceed single-item value limits.
- Losses outside the home without optional cover.
- Deliberate damage or claims resulting from negligence.
Optional Extras You Can Add
- Accidental Damage – For everyday mishaps like dropped tablets or red wine spills.
- Personal Possessions – For items you carry with you outside the home.
- Home Emergency – Emergency help for things like boiler breakdowns, power cuts, or burst pipes.
- Legal Expenses – Covers legal fees for disputes such as faulty goods, identity theft, or neighbour disagreements.
Protect What Matters Most
At Insurably, we compare hundreds of insurers to help you find the right contents cover that fits your lifestyle and budget.
Start your quote online today and feel confident knowing your home’s belongings are protected.
- Local office, no call centres.
- Real people, real advice.
- Clear, honest insurance made simple.
What does Contents Insurance cover?
What's Covered?
What's Not Covered?
Understanding what home insurance cover you actually need can be confusing—especially with so many options available. Insurably® focuses on clear, honest guidance to help you choose the right level of protection for your situation, without the pressure of a hard sell.
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Frequently Asked Questions
- Furniture, appliances, and electronics.
- Clothing, toys, and everyday household items.
- Valuables such as jewellery and watches (limits may apply).
- Accidental damage (if selected).
- Personal items taken outside the home (with optional cover).
- Wear and tear or ageing of items.
- Unforced entry (e.g. doors left unlocked).
- High-value items not declared on the policy.
- Damage caused deliberately or through negligence.