Contents insurance

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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 do I get a home contents insurance quote?

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

Contents cover can also protect your belongings from events outside your control, including fires, theft, storms, floods, the movement of the ground below the property (aka subsidence) and water leaks. You can compare contents insurance prices with MoneySuperMarket by filling out a short form.

Home contents insurance policies can cover all sorts of items, including: 

  • Gadgets (ie phones and tablets) 
  • Electrical items (ie TVs, laptops, hi-fis)
  • Money and financial documents
  • Furniture
  • Clothing

Especially valuable items need to be mentioned separately, including:

The most popular items consumers are looking to add to their contents insurance and their average cover value

The most popular items consumers are looking to add to their contents insurance policy and the average cover value they think they’d need to protect each item, according to MoneySuperMarket data from January – June 2018.

What does contents insurance cover?

Lots of home insurance policies are sold to cover both contents and the buildings themselves, but this isn’t always necessary. Renters, for instance, do not usually need buildings insurance, which is typically handled by the landlord, but may consider a contents-only policy to protect their own valuables.

When applying for home contents insurance, you will need to supply the following information:

Details about your property

  • Your address and property type (eg semi-detached or terraced)
  • Number of rooms
  • When your home was built
  • Security arrangements like locks and windows
  • Number of occupants and when they tend to be home

The value of your contents

  • An overall estimate of what your belongings are worth
  • Any items worth more than £350, including bikes and laptops
  • Any high-value items worth more than £1,000, including paintings and jewellery

It’s important to estimate the value of your contents correctly, because that's the total your policy will be able to pay out. A good approach is to go through each room slowly, making an inventory of all your possessions - as they can add up to more than you think. Be sure to include items in the loft, or stored in the garden shed or garage.

Tips for cheaper contents insurance

Having the right level of cover for all your contents is important, but there are steps you can take to help make your contents insurance policy cheaper:

  1. Shop around: premiums can vary considerably between insurers, so it's important to review quotes. Make sure you check ‘like with like’ – and be clear about the level of cover you need. And don't forget to shop around when it's time to renew, as your existing insurer will not necessarily offer the cheapest quote.
  2. Pay your premiums annually: many insurers will levy an additional charge if you pay by monthly direct debit. You’ll save money if you make a one-off, annual payment instead.
  3. Cut out the frills: if you don’t need any added insurance extras, you could reduce your premium by choosing basic cover only.
  4. 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.
  5. Combine contents and buildings insurance: if you have to buy buildings insurance for your home, it is often cheaper to buy both buildings and contents cover from the same insurer.
  6. Build up a no-claims discount: insurers usually reward people who have not made any claims in the past with a cheaper policy premium.
  7. Think about prevention: it often pays to take precautions against a claim. High-quality locks, burglar alarms, smoke alarms and membership of a Neighbourhood Watch scheme can all reduce your premiums.

Average prices comparison for contents-only vs combined

The average cost of contents-only insurance is nearly £67 compared with the average combined cost of contents and buildings insurance of roughly £146, according to MoneySuperMarket data from August 2019.

Get cheaper home contents insurance

The average price of contents-only insurance has risen slightly over the past year. MoneySuperMarket data found the average cost of home contents insurance in August 2019 was nearly £67 – up slightly on May 2019's average price of £63.

The best way to tackle rising contents insurance premiums is to shop around and see if you can find a cheaper policy elsewhere, instead of auto-renewing.


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What is contents insurance?

Contents insurance covers your possessions in the event of theft, loss or damage, including natural disasters, fires or flooding. It’s separate to home insurance, which covers the building you live in, including fixtures and fittings.

What does contents insurance cover?

Contents insurance specifically protects your belongings. As a rule of thumb, anything in your house could be protected provided you could pick it up and take it to a new home, including white goods and carpets.

You’re asked to estimate the total value of your possessions, but insurers need you to notify them of any particularly high-value items, especially jewellery, electronics like TVs, audio equipment, gadgets and computers, or expensive bikes.

How much is contents insurance?

The average cheapest contents-only insurance policy cost nearly £67 in August 2019, 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.

Region

Average Cost

Glasgow

£61.75

Newcastle

£56.90

North London

£100.37

Cardiff

£61

Liverpool

£63.62

Manchester

£72.62

Belfast

£65.48

Cambridge

£63.39

Oxford

£66.39

Bristol

£67.96

According to MoneySuperMarket data correct as of August 2019.

Does contents insurance cover theft?

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, any high-value items may need to be explicitly listed on your policy to be covered.

How does contents insurance work?

There are two main types of contents insurance, broadly speaking. Most policies are called ‘as new’ or ‘new for old’, and pay out for the full cost of repair, or for the equivalent new item.

The alternative is an indemnity policy, which tends to be cheaper because the payout reflects depreciation or wear and tear. An indemnity policy pays you what the item in question is worth now, not what you paid for it.

Does contents insurance cover mobile phones?

Contents insurance does cover mobile phones, but if your phone is worth more than a certain value, 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.

Do I need additional contents cover?

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 cover you.
  • Out-of-home cover: if something happens to your possessions when you’re out, you could be covered, but you might have to declare which items you want to cover when you take out the policy.
  • Extra cover for valuables: if you have any 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 your £2,000 engagement 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, 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.

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