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Student contents insurance

Protect your possessions with student contents insurance

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As the only price comparison site offering a choice of renters insurance policies specifically designed for tenants, we'll show you quotes from a panel of three specialist providers – but watch this space, we will be adding more providers to our panel.

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What students contents insurance? 

If you’re a student living away from home, it’s worth thinking about students contents insurance to ensure your belongings are properly covered while you’re studying. Students contents insurance is cover you can take out to protect your personal belongings while you’re living away from home – usually in rental, student accommodation or halls of residence. It means you’ll be able to claim for the cost of repairing or replacing your items if they’re lost, damaged, or stolen. 

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Do I need contents insurance cover?

It’s worth checking if your contents are already covered by an existing source: 

  • Your parents or guardians’ home insurance policy may already provide cover for items away from home – it’s not always guaranteed, so you should check with your insurer to be sure 

  • You might have contents insurance as part of a packaged bank account or mobile phone contract 

  • You could have existing insurance policies for each separate item – for example, if they were taken out at the time of purchase  

According to a recent YouGov poll, only 39% of renters have contents insurance

"Unless you own a home, contents insurance is often forgotten about. According to the same poll, 89% of mortgage holders have some form of contents cover in place, so there’s quite a big discrepancy between homeowners and renters when it comes to insuring our possessions. However, students are in a unique position, often living in a house or flat share with other adults who are non-family members, which insurers are likely to view as riskier.

There are two scenarios that are likely to apply if you’re interested in contents insurance as a student:

  1. You and your housemates want to insure the whole flat (or house)

  2. You want to insure your own room within a house or flat share.

In the first scenario, it’s important to keep in mind that you’ll be entering a joint policy as a named person, which means anyone claiming will raise the premiums for everyone on the policy when it comes to renewal. In the second scenario, you’ll likely need a lock on your door if you ever need to claim against theft. According to MoneySuperMarket data, on previous claims that were declared by customers taking out home insurance with us, “Theft” accounted for 14.76%i of all claims declared*, so adhering to the terms and conditions of any policy you take out is paramount if you ever need to make a claim."

David McDermottroe - Home Insurance Expert at MoneySuperMarket

*Data based on enquiries made between December 2023 to February 2024 where the enquiry contained one or more claims.

What does student contents insurance cover? 

The level of what is covered in your policy depends on your individual policy. Many contents insurance policies will offer similar types of protection as well as exclusions:   

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    What is usually covered?

    • Theft 

    • Fire damage  

    • Burst pipes, water leaks and flooding 

    • Burglary and vandalism 

    • Tenants liability cover

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    What isn’t usually covered?

    • Wear and tear of your items 

    • Theft from unforced entry  

    • Lack of maintenance 

    • Incorrect information supplied  

How does contents insurance work?  

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    General policy

    Estimate the total value of your contents, and the cost to replace it all. Try to be as accurate as possible, this will help you get the right amount of cover, and will help price your premiums accordingly.

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    Additional cover

    Student contents insurance can cover more than just fire, theft, and flood. Consider additional cover for lost keys, tuition fees, rent, and accidental damage to fixtures and fittings.

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    Gadget insurance

    Gadget insurance covers your gadgets against theft, loss, accidental and liquid damage. Not all insurers cover all these risks automatically, so it’s worth double-checking. 

How much does students contents insurance cost?

The cost of your contents insurance policy will depend on factors including: 

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    Your location

    High crime rates in your area will likely make your premiums more expensive due to the higher associated risk

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    Your property

    It can make a difference whether you live in a house or flat, as each comes with different risks 

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    The cost of your belongings

    More expensive items will usually cost more to insure – and keep an eye out for single item value limits if you have any particularly valuable items

How to get cheaper contents insurance

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

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    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

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    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

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    Think about security

    High-quality locks, burglar 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

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    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

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    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

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    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

Customer reviews

Based on 240,729 reviews 4.9/5 of our customers would buy from us again

Why compare with students contents insurance with MoneySuperMarket

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    It doesn’t take long

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

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    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

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    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 claim on my students contents insurance? 

  • Keep receipts

    Before anything happens, make sure you have evidence of how much you paid & the condition

  • Contact provider

    Contact your insurance company and provide your policy details and details of the incident  

  • Provide evidence

    Include photos of damages items, receipts for the items or a police report 

  • Complete your claim

    Complete your claim and submit your claim form to your provide  

You should buy the necessary insurance as soon as you know where you will be living for university and what belonging you will be taking with you. 

Most student contents insurance policies will cover expensive items, such as laptops, smartphones, and tablets. However, there may be a limit on how much you can claim for each item.  

It is important to check the policy to make sure that your expensive items are covered. 

No, buildings insurance isn't necessary for students renting accommodation. Your landlord or university are responsible for what happens to the building. 

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