*51% of customers received a quote of £136.13 or less when quoting for Buildings and Contents insurance, between May and July 2019, when using our journey via Confused.com
Home contents insurance covers everything that isn’t part of the structure of your house.
This can include your furniture, electrical equipment like an oven and fridge, as well as personal belongings.
Contents insurance can be valuable to everyone, including renters and council tenants.
Like most insurance policies, to get home contents cover, you pay a monthly premium and the policy pays out when you make a claim.
Home contents insurance covers the cost of replacing the items in your home if they are damaged by fire, flooding, and storms, or are stolen.
You may have to pay extra for house contents insurance that covers accidental loss or damage.
New for old cover is home contents insurance that will pay out the cost to replace your item at today’s value. Most home contents policies provide this cover.
All home contents insurance policies will have some exclusions, things they won’t cover. This can include:
General wear and tear: This is not covered by contents insurance. So if your old TV suddenly stops working, you probably won’t be covered to claim on your home contents insurance.
Indemnity cover: The cheapest contents insurance may only provide indemnity cover. Indemnity cover will only pay out the current value of your belongings. It may cost £1,800 to replace your fridge, but if it is only worth £180 today, that is all you will get.
Accidental damage: Some home contents insurance policies will not cover accidental damage. Accidental damage is something like spilling wine on your sofa, for example. Home contents insurance policies will often let you include accidental cover as an added extra. House contents insurance companies may charge you a higher premium for this.
Buildings insurance: Contents insurance does not cover the physical structure of your home. If you own your home, you would get buildings insurance for that.
Personal possessions cover: Personal possessions cover insures items like jewellery, iPads, wallets and purses, things you take with you outside your home.
Contents insurance policies may not include personal possession cover. Some home contents insurance policies will let you add it on as an extra, and charge you a higher premium.
Unlike car insurance, you do not need to have home contents insurance by law.
But home contents insurance is highly recommended. If you were burgled, for example, home contents insurance would pay to replace all of your valuables. You may not have the cash to do this by yourself.
Home contents insurance will cover the cost of replacing everything you own. Without contents insurance, this could cost you thousands of pounds.
When you compare house insurance contents cover, there are three main types of policies to consider.
Bedroom rated: A home contents insurer works out how much home contents cover you need based on the number of bedrooms in your home.
Sum insured: It’s up to you to work out how much home contents insurance you need. If you use an amount that is too low, you may not be covered when you claim.
Unlimited sum insured: All your home contents are covered without limit.
To work out how much home contents cover you need, make a list of everything you own. Then add up how much it would cost to replace everything on the list at today’s prices.
Online calculators can help you with this. Home contents insurance will typically provide cover up to £50,000.
How much contents insurance costs will depend on a number of factors. This includes:
The type of contents insurance policy you want
How much your home contents are worth
How much cover you want
To get cheap home contents insurance you need to compare home contents insurance quotes from several house contents insurance companies. Use a comparison site like uSwitch to compare home contents insurance quotes.
Different home contents insurance companies will provide different levels of cover in their contents insurance policies. This means the cheapest contents insurance may not be the best home contents cover for you.
To apply for home contents insurance, an insurance company will need some information from your. This can include:
Name and contact details
If you want only home contents insurance, or also building insurance
Do you own your home or do you rent
When you want the policy to start
If you want the policy in joint names, e.g. you and your partner
How many times you have claimed on home contents insurance in the last five years
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