Free £250 home excess cover, excluding claims for accidental loss or damage More info

Contents insurance

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  • We’ll refund up to £250 of your excess if you make a claim. Excludes accidental loss or damage claims^

What’s contents insurance?

Home insurance is made of contents insurance, buildings insurance, or both. Contents insurance protects your possessions. It'll pay out to replace your household items if they're stolen, or damaged by an event like a fire or a flood.

Contents insurance is different to buildings insurance, which only protects the structure of your home. Buildings insurance doesn't cover the contents inside.

You can buy contents insurance as an individual policy, or with buildings insurance as a combined policy.

contents insurance

Free £250 home excess cover, only with GoCompare^

If you need to claim on your home insurance - for example, if your building is damaged by subsidence or your possessions are stolen - your free home excess cover will refund up to £250 of your excess.

There’s no hidden charge. But you won't be covered for things like accidental loss such as leaving a laptop on a train or accidental damage, such as spilling wine on your carpet or drilling through a pipe.

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^UK residents and home insurance purchases only. Excess refunded after claim settled. Excludes accidental loss or damage claims made on your home insurance. Full T&Cs apply.

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What does contents insurance cover?

The items you’d take with you when you move to a new house are usually covered by contents insurance. Any single item worth more than £1,000 probably won’t be covered unless you list it separately on your policy.

Cover may vary, but many contents insurance policies include cover for:

Furniture

Items such as sofas, beds, cabinets, tables and chairs. It’ll also cover any soft furnishings, lamps, art and ornaments too.

Gadgets and electricals

TVs and laptops are some of the most expensive items we own, so it’s important to get them covered.

Kitchen appliances

Kitchen appliances like washing machines and fridge freezers are covered for damage, theft or loss. They won’t be covered for mechanical breakdown or wear and tear, though.

Clothing and jewellery

If your clothes or jewellery are lost in an event like a fire or flood, or they’re stolen, contents insurance will cover the cost of replacing them. Again, wear and tear isn’t covered.

Items in gardens and outbuildings

Many insurers cover items stored in a garden, shed or garage if they’re within the boundary of your property. You’ll still need to make sure they’re stored safely, for example by padlocking your shed.

Alternative accommodation

Covers the cost of temporary accommodation if your home becomes uninhabitable.

Business equipment

Covers home office equipment like computers and printers. Business stock isn’t usually covered.

Cash and credit cards

Cash kept in your home will often be covered for theft or damage up to limit, usually of around £500. Some policies also cover fraudulent use of your credit cards if they’re stolen from your home.

Freezer contents

If your fridge or freezer breaks down, the costs of replacing the contents inside are covered.

Digital information

Limited cover for the replacement of digital information following loss or damage to laptops or phones.

How to get contents insurance quotes

When you’re looking for quotes with us, we’ll ask for details about your home and your possessions including:

  1. The value of your contents

    Estimate the total value of the items in your home. Remember to include the contents in your attic, garden, garage, shed and freezer.

  2. High-value items

    Details about any individual items worth around £1,000 or more that you want to cover. The value of items needing individual cover varies from one insurer to another and can be quite a lot lower for things like laptops or bicycles.

  3. Additional cover

    Whether you want cover for accidental damage and away from home cover for items like mobiles, bicycles and laptops.

  4. Previous claims

    Details of any home insurance claims made in the last five years

  5. Property details

    The type of property you live in, what it’s made of and the types of locks and burglar alarms installed.

  6. Personal details

    Your name, address, who you live and when you’re usually home.

How much is contents insurance?

How much your contents insurance costs will depend on your circumstances, but we found that the average price people paid for contents-only cover is £75 a year.*

Insurers calculate your home insurance premium based on many risk factors that determine how likely you are to claim.

How much you'll actually pay will depend on your own circumstances. Things like the value of your items, previous claims and your location all affect the price of your contents insurance.


*The average price paid for home insurance purchased in July 2022 by type of cover. For buildings and contents insurance, it was £191. For buildings insurance only, it was £150. For contents insurance only, it was £75.
Average cost of home insurance by cover type

How to get cheaper quotes for contents insurance

There are always things you can do to keep your premiums down:

  1. Pay annually rather than monthly

    Monthly payment plans have added interest which raises the price of your policy.

  2. Avoid auto renewing

    Those who renew with their current insurer, almost always pay more for their insurance than those who switch.[1]

  3. Only pay for what you need

    Use a contents calculator to figure out how much you need to insure your stuff for.

  4. Improve your home security

    Burglar alarms, the right locks and safes can all help.

  5. Watch out for admin charges

    Renewal, adjustment and cancellation fees can all drive up the overall cost your insurance.

Single article limits - Don't leave yourself under-insured

“Home insurance policies provide for a wide range of items but it’s always best to declare specific items of interest, and particularly those you consider to be the most valuable, to your insurer. Anything worth more than the single article limit specified by an insurer, which is usually around £1,000, is unlikely to be covered as standard by your home insurance.”

“So, if you do happen to own a particularly valuable piece of jewellery or a collectible item of any kind, it’s a good idea to discuss this with your provider so you can put additional valuables insurance in place to make sure those items are accounted for too."

Ceri McMillan – home insurance expert

Why compare quotes with us?

According to the ABI,[2] one in four UK households don’t have contents insurance. But when you compare quotes with us, you could find cover for your possessions that's really affordable.

Insurers on our panel

66 UK insurers on our panel, helping you find affordable contents cover[3]

You may also be interested in

[1]Sector Views 2020. Financial Conduct Authority.

[2]Cost of home contents insurance falls to a record low in February 2019, yet one in four UK households are uninsured. ABI.org.uk.

[3]As of August 2022, there are 66 active home insurers on the panel at GoCompare

[4]The average value of household possessions on combined home insurance policies bought through GoCompare in July 2022

[5]Last checked 16 August 2022

Page last reviewed: 17 March 2022