Contents insurance


Compare contents insurance from £70/year** &

Meerkat Meals & Meerkat Movies*

Compare contents insurance from £70/year** &

Meerkat Meals & Meerkat Movies*

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**50% of people could achieve a quote of £69.82 per year for their contents home insurance based on Compare the Market data in November 2018.

Exclusive price cut for Compare the Market customers

We've teamed up with Churchill and Privilege to offer new customers an exclusive discount on their buildings insurance, contents insurance, or combined buildings and contents insurance. The price cut is only available until 31 March 2019, so get a quote today to make sure you don’t miss out.

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Terms and conditions 

This offer runs until 31 March 2019 and is for new customers of Churchill or Privilege only. A discount has been applied to the price of the policy - no discount is applied to any optional add-ons, or if the premium you are quoted is already the minimum amount for a policy offered by Churchill or Privilege. Churchill, Privilege and Compare the Market reserve the right to withdraw, amend or suspend this promotion at any time at their discretion.

Frequently asked questions

  • What’s covered by contents insurance?
  • What protection does a typical home contents insurance policy provide?
  • How does new for old contents insurance work?
  • How do I know how much my belongings are worth?
  • What is meant by personal possessions cover and do I need it?
  • What’s a single article limit?
  • What’s a high risk item?
  • Can I add new items to an existing contents insurance policy?
  • Can I get a no claims discount on my home insurance?
  • What’s not covered by contents insurance?
  • How can I get a good deal on home contents insurance?

What’s covered by contents insurance?

Home contents typically covers everything you’d take with you if you moved and also usually includes your carpets too. There may be some exceptions to this rule so you’ll need to check the details of individual policies to be sure – look for the definition of contents in your policy booklet. 

What protection does a typical home contents insurance policy provide?

A typical home contents insurance policy will protect your possessions against loss or damage due to a variety of events like theft, fire, storms, water leaks and subsidence. Cover will vary from policy to policy, so always check the details when you get a contents insurance quote.

Accidental damage, for example red wine spilt on a sofa, isn’t typically included in contents insurance, but may be available as an add-on. Many insurance providers offer other optional cover, like legal expenses and home emergency assistance. 

Find out more:

Contents insurance policies vary between home insurance providers, so check the level of cover offered by yours before you consider adding extra cover.

How does new for old contents insurance work?

If you have a new for old contents insurance policy, any items that are lost or damaged will be replaced by your insurance provider based on their current market value. Even if the exact item is no longer available, you’ll be paid out enough to buy a brand-new item of the same value.

How do I know how much my belongings are worth?

When you get a contents insurance quote, the premiums will be partially based on the value of your possessions. It’s easy to underestimate the cost of replacing all your possessions. A top tip is to go through your home one room at a time and add things up – don’t worry though, we have a handy contents calculator you can use when doing your quote to help you with this. Don’t forget to include small, high-value items, such as jewellery, and remember to value older items at today’s replacement costs.

According to the Association of British Insurers, the average household in the UK has home contents worth £35,000 – which is why your home contents are easy to undervalue and important to insure.

Find out more about how to estimate the value of your home contents.

What is meant by personal possessions cover and do I need it?

Personal possessions insurance covers you for loss or damage to things you would normally take with you when you leave your home. This could include your handbag, mobile phone, jewellery and wallet or purse. Some policies will also cover these items while you’re abroad. But, this is often limited to certain countries and for a set period of time.   Some home insurance policies include personal possessions cover as standard, while others offer it as an add-on option and you may need to pay extra. It's worth checking the policy details to see what you will be covered for before you buy. See more on Possessions insurance cover outside of the home.

What’s a single article limit?

Most home and contents insurance policies will have a maximum limit that any single item can be worth before you need to specify it on the policy – this is commonly known as the single article limit. It’s a good idea to check what that limit is and make sure you detail anything that exceeds it. It’s often set at £1,500, but could be lower or higher depending on the provider. 

What’s a high risk item?

High risk items are your valuable possessions that could be easily stolen from your home, for example: jewellery, electrical goods, antiques, collectables and more.  Insurance providers want to know about these items as they’re typically more desirable to steal and, if they’re damaged, they can be expensive to replace.  When you're getting a quote with us, you'll need to add any high risk items valued at more than £1,500 per item to the "specified items" section. So it's worth doing a quick inventory of your valuables first - you've probably got more than you think.  See more on the cover usually offered for high risk items. 

Can I add new items to an existing contents insurance policy?

Most home contents insurance providers will let you update your policy to include new high-value items, such as an expensive TV or gadget. The best way to do this is by getting in touch with your provider directly.

In addition, some providers will increase your cover before and after special events, such as a wedding or Christmas. Extra cover and cover levels will vary from policy to policy, so check the policy documents thoroughly when you compare contents insurance.

Can I get a no claims discount on my home insurance?

Yes, although we usually think about no claims discounts in relation to car insurance you can earn them from home insurance too.

If don't make any claims during the 12-months of the policy then you can usually get a reduction on the next year's premium. If you don't claim the following year either you can build up your no claims discount. Typically you can build up your discount over nine consecutive years.

See more on Home insurance no claims discount – how does it work?

What’s not covered by contents insurance?

The following aren’t typically covered by contents insurance:

  • General wear and tear, and maintenance
  • Faulty workmanship
  • Mechanical or electrical breakdown
  • Damage caused by pets

How can I get a good deal on home contents insurance?

Use Compare the Market to compare contents insurance and we’ll help you find a deal that’s right for you – we found 50% of people could achieve a contents insurance quote of £69.82***.

Just enter your details and the level of cover you need, and we’ll give you a list of quotes from a range of insurance providers. Start comparing today.

***50% of people could achieve a quote of up to £69.82 based on Compare the Market data in November 2018.

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