Skip to content





feefo logo
4.7 out of 5 38,002 reviews
White sofa on purple background

Compare cheap contents insurance from over 65 providers2

We’re committed to finding the right cover for you and your home. 
That’s why we compare over 65 of the biggest insurance providers in the country, including:

company logo for lv-v1
company logo for churchill-110-2
company logo for Halifax-110-new
company logo for Admiral-july-min
company logo for tesco-bank-v2
company logo for policy-expert-transparent
company logo for hastings-v1

1 51% of consumers could save up to £175.63 a year on buildings and contents insurance. Consumer Intelligence, May 2023. UK only.

2 Updated September 2023

What is home contents insurance?

Contents insurance is one of the two main types of home insurance. It covers the contents of your house in the event of loss, damage or theft.

These policies also protect your belongings from events outside your control, including fire, theft, storms, floods, ground moving below your property (aka subsidence) and water leaks.

Contents insurance can be bought separately, or as part of a combined policy which also includes cover for the structure of your home – but you only need buildings insurance if you own the property.

Home interior photography

How does contents insurance work?

There are two main types of contents insurance, broadly speaking:

  • New for old / As new

    New for old, also known as 'as new', policies, will pay out for the full cost of repair of a damaged item, or for the equivalent new item. It is the more expensive type of cover because you can get back the full value of the items you claim for.

  • Indemnity policy

    An indemnity insurance policy pays you what the item you claim for is worth now, not what you paid for it. This type of policy tends to be cheaper because the pay-out reflects depreciation or wear and tear, so you might not get back the full value, just the cost of replacing an item of the same age or condition as yours.

What does contents insurance cover?

Home contents insurance policies will cover pretty much everything you own, except the actual building itself. In fact, an item is covered if it’s something you would take with you when moving home, including carpets and light fittings. Items commonly listed under a contents policy include:

  • Tick


    Contents insurance can protect your mobile phones, laptops, cameras and other gadgets in your home, which can normally be expensive to replace. But bear in mind there is often a £1,000 limit on individual items so if you have something of more value, you may need to list it separately

  • Tick

    Electrical items

    Contents insurance policies can protect some of your most important electrical items, such as televisions, desktops, and games consoles, again usually up to a limit of £1,000 for individual items

  • Tick

    Money and financial documents

    Money as well as financial documents like bonds and deeds will be covered as long as they are stored securely in your home. It’s worth looking into getting secure digital copies of crucial documents so you have a back-up in case the originals are stolen or damaged.

  • Tick


    Everything from Chesterfield sofas,wingback armchairs or cherished family tables are covered when you take out a contents insurance policy

  • Tick


    If your wardrobe is damaged in a major event like a fire or flood, your policy will help cover the cost of replacing your clothes, although if you have valuable designer gear worth more than £1,000 you may need to list it seperately.

  • Tick

    White goods

    All your kitchen appliances are covered by your contents insurance policy. Items like your fridge, cooker, washing machine are all protected, as well as smaller appliances such as juicers or coffee-makers.

What optional extras can I add to my contents insurance policy?

Contents insurance protects your belongings from most major threats, but not everything will be covered as standard. If you want extra peace of mind, you should think about adding the following:

  • Accidental damage

    This is for when you accidentally break a possession, for instance knocking over an ornament while doing the dusting. It’s easily done, but could be long lamented if you don’t have the right cover for accidents.

  • Personal possessions cover

    This protects your possessions while you’re out and about, but you usually have to declare which items you want to cover, supplying your insurance company with details and values.

  • Home emergency cover

    This will cover the costs if you need any assistance or repairs because of a domestic emergency, such as a burst pipe or broken boiler. Either can be a mightmare that you want sorted out as soon as possible.

  • Away-from-home cover

    If your children are away at university and they take their laptop or phone with them, you may be able to arrange affordable cover for their belongings.

  • Extra cover for valuables

    You can add extra insurance cover for any valuable items you own if their value exceeds the limits of your policy. That usually means individual items worth £1,000 or more.

  • Legal expenses

    Legal expenses insurance can help you cover the cost of certain legal fees, such as boundary disputes and personal injury claims which can arise when you least expect it.

How to get a contents insurance quote

When you look for a contents insurance policy, it’s important calculate how much your possessions are worth. You must work it out accurately because if you don’t, you could be counting the cost if you need to claim and have underestimated how much your possessions are worth. Alternatively if you overestimate, your premiums will be higher than they need to be. Here’s what you need to do:

  • Make a list

    Be systematic: go from room to room in your home and add up the rough values of everything you own

  • New for old

    Most contents policies are ‘new-for-old’, meaning they work out how much it costs to replace your possessions with new ones

  • Note your valuables

    Make a special note of every item worth more than about £300. Your insurer will need to know about each of these items separately

Who needs contents insurance?

Contents insurance isn’t a legal requirement for anyone – but it is a good idea. These are the people who might need contents insurance:

  • Tick


    You already have buildings insurance, so a combined home insurance policy will protect your belongings too

  • Tick


    Contents insurance will protect your own possessions, though you might want a specific renters’ insurance policy

  • Tick


    Lodgers have a slightly different legal status than regular renters, but you can still get lodgers’ insurance

  • Tick


    Because you live in halls or flats for part of the year, you need specialised contents insurance for students

  • Tick

    Flat sharers

    People living in a flatshare need separate contents insurance policies for each member of the household

  • Cross


    Buy-to-let owners need a different type of policy for properties they rent out called landlord contents insurance

We're 100% independent, working only for our customers

Unlike some of our competitors, MoneySuperMarket is not owned by an insurance company. So we can offer the best value, with savings delivered straight to you.

By combining independence with our excellent technology, we can negotiate the best prices and the best value on products and services.

of our customers would buy again
based on 38,002 reviews

Advised and explained everything
Pros: Really straight forward process, to finding a superior Home Insurance Policy, for approximately 35% less cost! Thank You MSM Cons: I can't find any faults, I like everything about the process!
Pros: So much choice which allowed me to get the right policy for me at the right price

Compare cheap home contents insurance quotes

Home contents insurance helps protect your possessions from loss, damage and theft. Whatever cover you’re looking for, the easiest way to find the best policy is by comparing contents insurance quotes online. You can compare policies in one simple search on MoneySuperMarket.

  • It doesn’t take long

    Estimate the worth of your home contents and any particularly high-value possessions, and quickly compare contents insurance quotes

  • We’ll search for savings

    We’ll show you which contents insurance is the cheapest along with claims experience, a quality score, cover level and more

  • Get covered

    Once you’ve found a contents-only insurance policy you like, you can call or click through to apply directly with the insurer

How to get cheaper contents insurance

Contents insurance policies tend not to be terribly expensive, but there are steps you can take to get a cheaper quote:

  • Tick

    Shop around

    Premiums vary between insurance companies, so get a range of quotes from different insurers to see how much you could save. Be clear about the level of cover you need to get accurate quotes and once you’ve found the best deal, don't forget to shop around when it's time to renew insurance

  • Tick

    Cut out the frills

    If you don’t need any added insurance extras like accidental damage cover, you could cut your premium by opting for basic cover only. But bear in mind that will limit the amount you can claim for

  • Tick

    Think about security

    High-quality locksburglar alarms, smoke alarms and joining a Neighbourhood Watch scheme can all reduce your premiums. The safer your home, the less likely you may need to claim on an insurance policy. But check with insurers before installing expensive security that may not help reduce costs

  • Tick

    Raise the excess

    Most insurance policies include an 'excess', which is the amount you pay towards any claim. If you agree to increase the excess you will usually pay a lower premium. But bear in mind that you will need to stump up the amount of the excess if you need to claim

  • Tick

    Pay your premiums annually

    Many insurers charge extra if you pay by monthly direct debit. You’ll save money if you make a one-off, annual payment instead, if you can afford it

  • Tick

    Build up a no-claims discount

    Insurers usually reward people who have not made any claims in the past with a cheaper policy premium. You may even be able to protect your no-claims discount after you’ve built it up

Simon Read

Our expert says


Contents insurance is the perfect way to protect your possessions, but you need to be wary when you buy it. Work to the value of your belongings and be as accurate as possible so that if you need to claim, you have the cover you need.. Make sure you declare your valuables, too.

- Simon Read, Car & Van Insurance Expert

The average cost of a contents-only insurance policy was £86 in January 2023, according to MoneySuperMarket data. The cost of contents insurance is affected by your location, the value of your home and contents, risk (including flood and burglary) and other factors.

According to MoneySuperMarket data collected during January 2023

Contents insurance does cover theft as standard, but most policies will cost more if you also want theft cover for your belongings when you take them out of the house. Likewise, high-value items may need to be itemised on your policy to ensure they are covered.

Contents insurance does cover mobile phones, but if your phone is worth more than a certain value, often £1,000, you’ll have to inform your insurer that you need it covered specifically.

For electronic items you use a lot, including those you carry with you when you leave the house, you might want to consider taking out a more specialised gadget policy.

You can pay more to cover more expensive items and add additional cover. The most common additions include: 

  • Accidental damage cover: if you accidentally break a possession, for instance knocking over a valuable ornament while doing the dusting, it will pay out.

  • Out-of-home cover: you’ll need to name any items you want covered to protect themif something happens when you’re out.

  • Extra cover for valuables: if you have valuables, you may need extra contents insurance if their value exceeds the limit of your policy. For example, if the limit was £1,500 and a £2,000 ring was stolen, the policy would still only pay £1,500. 

  • Home emergency cover: if you need any assistance or repairs because of a domestic emergency, such as a boiler breakdown or pipes bursting, this will pay out.

  • Away-from-home cover: if your children are away at university, and they take their laptop or phone with them, you may be able to cover their items too.

It does, but if your bike is worth more than the single-item limit listed in the small print, often around £1,000, you will need to inform your insurer that you own it. Bikes aren’t usually covered by contents insurance when you have them outside the home. You need a separate out-of-home policy add-on for that.

The single-item limit is the most an insurer will pay to replace any individual items that hasn’t been specifically listed. The limit will depend on your provider and the policy, b ut is often around £1,000. If you need to cover anything worth more than that, you shoudl mention it as a high-risk item.

As well as there being a cover limit for your items, there are other exclusions that may affect your claims. For example, some providers also have a maximum claim limit for all valuable items. So, if several items are stolen or damaged at once, you may not be able to reclaim their full value.

High-risk items are your most valuable possessions, the ones which cost the most to replace. You need to let your insurer know about each one.

Most insurers let you do this, but you’ll need to get in touch with them if you’ve made a major purchase. If you claim without telling them, then it may prove hard to claim the money back for any items.

You might do, especially for high-value items. It’s a good idea to keep the receipts for everything you have when you take out insurance.

If you work from home a lot, your home office equipment is not covered as standard by home insurance policies. You may need to take out separate business insurance.

Find out more here.

Some insurance policies will cover the contents of your garden and outbuildings - like a garage or shed - as standard. However, many won’t, and which means you may have to pay extra. Make sure you check before you buy a policy.

Your contents are not normally insured as standard by contents insurance when you take them out of your home. However, you can buy an out-of-home insurance policy add-on, which will protect you from theft and damage when you’re out and about.

You work hard to earn your money, and we don’t think you should waste a penny of it paying over the odds on your household bills. That’s why at MoneySuperMarket, we’re on a mission to save Britain money.

  • Whip your credit score into shape with Credit Monitor

  • Super save over and over again with Energy Monitor

  • There are always more ways to save with MoneySuperMarket 

So how do we make our money? In a nutshell, when you use us to buy something, we get a reward from the company you’re buying from.

You might be wondering if we work with all the companies in the market, or if our commercial relationships with our partners might make us feature one company above another. We’ve got nothing to hide, and we want to give you clear answers when it comes to questions like these, so we’ve pulled together everything you need to know on this page.

Looking for a home insurance quote?

It's fast, free and simple!