Contents insurance

Compare cheap home contents insurance quotes and see if you can save

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Great reasons to compare contents insurance

Contents insurance covers you for damage, theft and loss of the belongings in your property that aren’t fixed down permanently. This includes clothes, electricals, personal effects, as well as fridge freezers, washing machines, curtains and rugs.

Answer a few questions about your home to find cover for your possessions today.

£79 a yearThe average cost of an annual contents insurance policy bought through GoCompare

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Last checked May 2019

What does contents insurance cover?

Contents insurance covers your belongings against theft, damage or loss. It can protect items like:

  • Television and electrical items
  • Personal items and valuables
  • Kitchen equipment
  • Household goods
  • Furniture

You’ll be covered a standard against theft and losses from things like fires, floods and weather damage.

You probably won’t be covered as standard for accidental damage, or for your possessions when you take them away from home, so check your cover and buy these features as optional extras if you need them.

How much is contents insurance?

In May 2019, the average price paid for an annual contents only home insurance policy purchased through GoCompare was £79 a year.

The actual cost of your contents policy will depend on things like the value of your possessions, the security of your home and the amount of voluntary excess you are willing to pay.

How to get contents insurance quotes

It doesn’t take long to get quotes. You’ll need to tell us a few details about you and your contents to get started:

  1. Your details

    Your name, address, occupation and any criminal convictions you have

  2. Your property details

    Your address, type of building, how far it is from water and any subsidence

  3. Who lives in the property

    How many adult and children, plus any pets you have

  4. Security information

    What locks and alarms you have installed

  5. Cover details

    When you want the policy to start, how much cover you need and how much excess you want to pay

How to save on contents insurance

  1. Compare quotes

    Compare contents insurance quotes online to find the right cover at the right price

  2. Increase voluntary excess

    Excess is the amount you pay if you make a claim. A higher excess will often mean a lower premium, but make sure you can afford the excess before raising it.

  3. Limit your add-ons and extras

    Standard policies, without add-ons, like legal cover, are often cheaper

  4. Build your no-claims discount

    If you’ve taken out a previous home contents policy and didn’t claim, you may have a no claims discount that will make your new premium cheaper

  5. Extra security

    Smoke detectors and burglar alarms can make your home safer and reduce the cost of your insurance

  6. Pay annually

    One-off home insurance payments don’t have the additional admin fees that monthly instalment plans do.

Don’t leave yourself under-insuredThe average value of possessions insured on contents insurance policies purchased in May 2019 was £48,260[1]

Get contents insurance
Before you purchase a contents insurance policy, you’ll need to know how much your possessions are worth.

Use our contents calculator to find out the total value of your possessions.

Optional extras and add-ons

The value of cover is sometimes limited for particular types of item, such as high-value bicycles or jewellery. Check your policy cover and limits on the following. You may need to add them specifically to your policy.

Home emergency cover

A home emergency insurance policy will cover the cost of urgent repairs for issues with your boiler, heating system, plumbing or electrics. It isn’t always included as a standard part of contents insurance and might need to be added as an optional extra.

Legal cover

Legal cover can assist you financially in cases where someone’s negligence has caused damage to your possessions and you’re looking to sue. Some contents insurance policies include this as standard so it's worth checking.

Personal possessions cover

Personal possessions cover insures your belongings outside of the home against loss, accidental damage and theft.

It’s an optional extra to your contents insurance, which generally only covers your things when they’re inside your home or garden.

You might already have personal possessions cover with a packaged bank account or credit card so double check before you take out a new policy.

High-value items

High-value goods such as laptops, jewellery and bikes will often need to be added on top of your contents insurance policy, as their value often exceeds the limit you’ll be able to claim for any one item.

The limit is usually quite high - out of 401 contents insurance policies listed on Defaqto, 96% have a single article limit of £5,000 or more but you should still check your policy's limit is high enough for your belongings.[2]

Accidental damage

Accidental damage cover is designed to insure your possessions against unintentional or unexpected damage such as spillages or breakages.

Looking for something else?

Tenants insurance

If you’re a tenant, buildings insurance isn’t your responsibility, but you might want a contents insurance policy to protect your belongings.

Find out more >

Students contents insurance

For students in rented accommodation, you might require cover for books, gadgets, clothes and more, particularly as students are often the targets of thieves.

Find out more >

Home appliance insurance

Home appliance insurance covers electrical and mechanical failures. It can act as an extended warranty, offering replacement and/or repair for your items.

Find out more >

Home business contents insurance

Business equipment often won’t be covered by a home contents policy, so you might require something more specialist.

Find out more >

Mobile phone insurance

Stolen or damaged phones are sometimes covered as standard on home insurance policies, or you can get the cover as an add-on.

Find out more >

Garden contents insurance

Pots, plants, furniture and tools all have a value and could be an easy target for thieves.

Find out more >

Frequently asked questions

  • What is contents insurance?

    Contents insurance will cover you for the damage, loss or theft of your possessions that belong in your home or garden.

  • Do I need contents insurance?

    Contents insurance isn’t compulsory. However without insurance, your contents won't be covered if your possessions are destroyed by something like a fire or flood, or if they’re stolen.

    Why you’d want it

    • You’ll be covered to replace expensive items
    • It can be cost-effective to buy alongside your buildings insurance
    • You can buy it as a stand-alone policy if you don’t need buildings cover, for example of you’re a tenant

    You won’t need it if you’re a landlord, because your tenants are responsible for insuring their own property. You also won’t need it if you’re happy to just pay for replacements and repairs yourself.

  • How much contents insurance do I need?

    The average value of possessions insured on contents insurance policies purchased in May 2019 was £48,260.[3] How much cover you need will depend on the value of your possessions. Use our contents calculator to work out the value of your items.

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90% of customers were quoted a monthly contents instalment amount of £14.18 or less[3]

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Compare quotes with us today to see how much you could save.

Home insurance guides and tools

[1]The average value of possessions insured on home contents insurance policies purchased via GoCompare between 1-31 May 2019.

[2]Last checked 10 June 2019

[3]90% of customers were quoted a monthly contents instalment amount of £14.18 or less with Gocompare.com (01 Jun 2019 to 31 Aug 2019)

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