Contents Insurance

Covers your personal belongings in the home.

Contents insurance protects the personal belongings inside your home – things like furniture, electronics, clothing, and appliances – against events such as fire, theft, storm, or vandalism. If you're renting or own your home, contents cover ensures you can replace or repair your possessions if they are damaged or stolen. Policies often have limits or require specification for high-value items (like jewelry or art). This insurance provides peace of mind that your valuables are financially protected, whether you're at home or sometimes even when you take items outside (if you opt for portable contents cover).

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Key Benefits

Why choose this insurance coverage

Belongings Replacement

Covers the cost to repair or replace your household items (furniture, electronics, appliances, etc.) if they're damaged or destroyed by events like fire, burst pipes, or storms, meaning you won't have to pay out of pocket to refurnish your home.

Theft Protection

Protects you financially if your personal belongings are stolen due to a break-in or burglary. The policy will pay to replace items like TVs, laptops, or jewelry up to the policy limits, providing security against theft losses.

Portable Valuables Cover

Many contents policies offer optional cover for items you take outside of the home (like phones, laptops, or bikes). This means your valuables can be covered even while you're traveling or out and about, not just when they're at home.

Frequently Asked Questions

Common questions about contents insurance

Yes, if you want to protect your own belongings. Your landlord's insurance will cover the building, but not your personal items. Contents insurance is especially important for renters to cover things like electronics, furniture, and clothing in case of events like fire, theft, or water damage.

Most policies have sub-limits for certain valuables (for example, a limit per item or in total for jewelry). You may need to list high-value items separately (specify them on the policy) to ensure they're covered for their full value. Always check your policy's limits and specify any particularly expensive items.

Standard contents insurance covers items while they are at your insured address. However, many insurers offer optional 'portable contents' or 'personal effects' cover that extends coverage to certain belongings when you take them away from home (like your phone, laptop, or bike). If you need this, you can add it to your policy.

It's best to take an inventory of all your belongings and estimate how much it would cost to replace them new. There are online calculators to help with this. Make sure to consider furniture, electronics, appliances, clothing, and even smaller items – the value can add up quickly. The total replacement cost will guide the sum insured for your contents.