CONTENTS INSURANCE
It’s not just what’s in your
home – it’s what makes it
yours.
Contents insurance can help protect the possessions that matter most,
from furniture and electrical items to clothing and personal belongings.
We’ll help you compare the available options so you can choose the
cover that’s right for you.
✔ Flexible cover options
✔ Optional extras for valuable items
✔ Clear information to help you make an informed decision
Contents Insurance Essentials
🛋️ Protecting Your Belongings
Contents Insurance is designed to help protect your personal possessions against insured events such as fire, theft, flooding and accidental damage, depending on the policy selected.
💎 Cover for Valuable Items
Many policies allow you to insure higher-value possessions such as jewellery, watches, bicycles and technology, either as standard or as optional extras.
💻 Home Working
If you regularly work from home, it’s worth checking whether your equipment is covered under your policy or whether additional cover may be required.
⚙️ Flexible Cover Options
Policies vary between insurers and can often be tailored to suit your home, lifestyle and the belongings you wish to protect.
Why Consider Contents Insurance?
Replacing the contents of your home could cost far more than many people realise.
From furniture and electrical items to clothing, kitchen equipment and personal possessions, the cost of replacing everything after an insured event can quickly add up.
Contents Insurance is designed to help protect the belongings inside your home, providing financial support following insured events such as fire, theft or flood, subject to the policy terms and conditions.
What’s Typically Covered?
Every insurer is different, but Contents Insurance commonly provides cover for:
🛋️ Furniture
Sofas, tables, beds, wardrobes and other household furniture.
💍 Jewellery & Watches
Many policies include cover up to specified limits, with higher-value items often requiring separate declaration.
👕 Clothing & Personal Belongings
Clothing, shoes and everyday personal possessions.
📺 Electrical Items
Televisions, laptops, tablets, games consoles and other electronic devices.
🚲 Bicycles & Sports Equipment
Depending on the insurer and policy selected.
🍽️ Household Items
Kitchen equipment, furnishings, curtains, rugs and other everyday belongings.
We’ll explain how the different types of cover work, answer your questions and help arrange cover if you decide it’s right for you.
Optional Extras
Depending on the insurer, you may wish to consider:
🌍 Personal Possessions Cover
Provides protection for specified belongings when you’re away from home, subject to the policy terms.
💥 Accidental Damage
Additional protection against accidental damage to your belongings.
💻 Home Office Equipment
Additional cover may be available for business equipment used when working from home.
🏡 Alternative Accommodation
Many policies include cover if your home becomes uninhabitable following an insured event.
Important Information
We do not provide regulated insurance advice.
We’ll explain the options available, provide clear information about the different types of Contents Insurance and help arrange a policy if you decide it’s right for you, allowing you to make an informed decision based on your own circumstances.
What Can Affect the Cost?
The cost of Life Insurance varies depending on a number of factors.
Property Location
Where your property is located may affect the premium.
Value of Your Belongings
The total value of the contents you wish to insure will influence the cost of cover.
Claims History
Previous insurance claims may affect your premium.
Level of Cover
The amount of cover and any optional extras selected will affect the premium.
Security
Burglar alarms, locks and other home security measures may influence the cost of your insurance.
Frequently Asked Questions
Looking to Arrange Contents Insurance?
Whether you’re moving into your first home, buying a new property or reviewing your existing insurance, we’ll help you understand the options available and arrange cover if you decide it’s right for you.
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