Home Contents
Insurance
What is Home 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 This?
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 it 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.
Coverage at a Glance
Know exactly what you're protected against.
What's Covered
Contents Insurance policies typically include:
- Household Goods – Covers furniture, carpets, curtains, and appliances.
- Personal Belongings – Protection for clothes, shoes, and everyday items.
- Valuables – Cover for jewellery, watches, and art (single item limits may apply).
- Electronics – Protection for TVs, laptops, and gaming consoles.
- Money & Credit Cards – Cover for cash and cards stolen from your home.
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.
Additional Cover You May Need
Depending on your business type, consider adding these protections.
Get the right cover for your business
At Insurably, we have access to 100's of insurer markets. No matter how unique your requirements, we find the right cover to suit you.
What does Home Contents cover you for?
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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