Unlimited contents insurance
- Buy contents insurance for less than £59 a year[1]
- Compare prices from 49 trusted home insurance providers[2]
- Enjoy fantastic rewards, on us*
[1] 51% of our customers were quoted less than £58.25 for their contents home insurance in June 2025.
[2] Correct as of June 2025.
What is unlimited home insurance?
An unlimited home insurance policy does just what it says on the tin.
An unlimited buildings insurance policy means there’s no limit to how much you could claim on your buildings insurance if you had to extensively repair or rebuild your home. And unlimited contents insurance means you may not have to worry about your possessions being underinsured.
Unlimited home insurance holds real value for those with large, expensive homes or properties in flood-risk zones, for example. There’s a downside though – you could end up paying more for home insurance than you need to.
Do I need unlimited home insurance?
If you own a home that would cost an especially large amount of money to rebuild, unlimited home insurance could be worthwhile. This cover might be a good fit for you, for example, if your home is listed, very big or designed by a famous architect.
Unlimited buildings insurance also means you won’t have to recalculate the amount of cover you need if you were to extend or improve your home.
However, you’ll still need to let your insurance provider know if you’re making significant changes to your home. This includes renovations, adding buildings, and large maintenance projects. You could invalidate your cover if you don’t keep your provider informed.
But before you splash out on an unlimited buildings insurance policy, do shop around to see what cover is offered. You might find a standard buildings insurance policy that meets your needs for less.
Can I get unlimited contents insurance?
Yes, you can get unlimited contents insurance. But not all insurance providers offer it, so you may need to shop around.
Unlimited contents insurance is sometimes called ‘unlimited sum insured’. It means that potentially all your home contents are covered by the policy.
But make sure you understand what you’re buying as some policies will still contain limits. For example, there will be a single item limit. This is the amount the policy will pay out for an individual item that’s not listed separately.
Unlimited contents insurance is likely to cost you more than standard contents insurance, but it takes away the worry of being underinsured. If your possessions are insured for less than their full value and you have to make a claim, you might not get the full payout.
Do I need unlimited contents insurance if I don’t own high-value items?
If you don’t have many high-value items, an unlimited policy might not be necessary. A standard contents insurance policy with specified limits may be more than sufficient.
It’s important to get some amount of cover though, even if you don’t own particularly valuable items. When you start adding up all of your contents, you may find the overall worth is more than you thought. Could you afford to replace everything if they were damaged or destroyed?
What are the benefits and downsides of unlimited home insurance?
To help you decide whether unlimited house insurance is necessary for your home, here are some pros and cons to consider:
Pros of unlimited home insurance:
- No overall claim limit.
- No need to spend time calculating the total value of your possessions for contents insurance. And if you buy new items (within the single item limit), you don’t have to keep revising the amount you’re insured for.
- Your home will continue to be covered even if the rebuild value goes up – for example, if you add an extension.
- It could be worth it if the value of your home is very high or hard to calculate - perhaps because it’s a listed building.
Cons of unlimited home insurance:
- Unlimited home insurance is typically more expensive than standard cover.
- A standard buildings policy might be more than enough to cover the rebuild costs of your home. So unlimited buildings insurance could mean you’re paying for more than you need.
- Not many insurance providers offer unlimited contents insurance, so it might be difficult to find a combined unlimited buildings and contents policy.
- Unlimited home insurance might not be 100% unlimited – there may still be limits on some aspects of cover.
Is unlimited home insurance really unlimited?
Some unlimited contents insurance policies might refuse to pay the full value of single items worth more than a set amount unless they are listed separately on your policy. This could be an issue if you own valuable pieces of jewellery, art or antiques.
Check to see what the single item limit is when you’re comparing. One advantage of unlimited policies is that the single item limit can be set higher than on standard home insurance policies. This may be enough to cover expensive jewellery, for example.
If you do have items worth more than the policy’s limit, you’ll need to inform your insurance provider so they can be listed individually on your policy and insured to their full value. Alternatively, you might want to look for specialist art and antiques insurance.
Likewise, if alternative accommodation cover is included in your unlimited buildings insurance policy, read the small print to check what you’re covered for. Although you might assume the costs of temporary accommodation are unlimited, in most cases the policy wording will say you’re covered for ‘the costs of a similar temporary accommodation’ to what you have now.
If you choose to pay for add-ons to your policy, such as legal expenses cover and home emergency cover, these may include caps on the maximum you can claim for.
Always check the terms and conditions before you buy. Don’t just assume your policy is 100% unlimited.
How much does home insurance cost?
51% of our customers could get buildings and contents insurance for
£206
a year[3]
51% of our customers could get contents insurance from
£59
a year[4]
51% of our customers could get buildings insurance from
£187
a year[5]
[3] 51% of our customers were quoted less than £205.95 for their buildings and contents home insurance in June 2025.
[4] 51% of our customers were quoted less than £58.25 for their contents home insurance in June 2025.
[5] 51% of our customers were quoted less than £186.20 for their buildings home insurance in June 2025.
What do I need to get a quote?
To give you an unlimited home insurance quote, we’ll need some basic information about your home, including:
- Details from your current home insurance policy documents
- Details about your property
- The rebuild value of your property – you can work this out using our calculator when you compare
- The type and level of cover you want.
Once we have the information we need, we’ll be able to give you a list of quotes to compare.
Why use Compare the Market?
We compare 81 home insurance products from leading providers[6]
Get a quote in 9 minutes[6]
Rated Excellent by 83,880 people on Trustpilot[7]
[6] Correct as of June 2025.
[7] As of July 8th 2025, Compare the Market had an average rating of 4.9 out of 5 from 93,668 people who left a review on Trustpilot. The score 4.9 corresponds to the Star Label ‘Excellent’.
What our expert says...
“Some home insurance policies will offer unlimited cover for buildings but not for contents. This is worth bearing in mind if you’re looking for a combined policy. You may need to consider what contents limits you’d be happy with if you opt for a combined buildings and contents policy.”
- Anna McEntee, Home, pet and travel insurance expert
Frequently asked questions
How do I decide if unlimited cover is right for my home?
The best way to see whether unlimited home insurance is right for you is to compare what’s out there.
It’s important to get your home insurance right, so take the time to check the cover limits and work out if it’s enough. If you can’t find a standard home insurance policy that will cover you, you may need unlimited home insurance.
How do I know how much buildings insurance I need?
Your buildings insurance needs to cover your home’s total rebuild cost. But if you opt for unlimited buildings insurance, you won’t need to make this calculation. An unlimited policy should cover you for all the rebuild costs – other than any exceptions set out in the policy.
If you need to, however, you can estimate the rebuild value of your house using the Building Cost Information Service (BCIS) when you compare buildings insurance with us.
Alternatively, you can use the BCIS rebuild cost calculator. If you decide you need the rebuild costs of your home expertly valued, you can pay a chartered surveyor to help you.
How do I know how much contents cover I need?
When you get a quote with us, you’ll have the option to use our contents calculator to help you understand how much cover you need.
Otherwise, you can go from room to room with a pen and paper and add up the value of your home contents.
If you don’t want to spend time doing this, you can opt for an unlimited contents insurance policy. But remember, you’ll still have to know and list all your belongings that are worth more than the single item limit on your chosen policy.
Is unlimited contents insurance worth it?
Unlimited contents insurance may be worth it if you have a lot of high-value possessions. But chances are, most homeowners could find a cheaper deal by opting for a standard contents policy.
Just be sure you’ve accurately worked out the value of the contents you want to insure. If you have expensive items, you may need to look for a policy with a higher single-item limit or arrange extra cover.
Can I get combined unlimited building and contents insurance?
You can find combined unlimited cover for your home if that’s what you need, although your options may be limited. In some situations, you may be better off buying your buildings and contents insurance separately and only paying for the unlimited cover you need.
For example, if you live in a listed building that would be expensive to repair, unlimited buildings insurance may be necessary to cover the rebuild cost. But you may still be fine with a standard contents policy.
Where can I get buildings and contents insurance?
You can search for buildings and contents insurance right here at Compare the Market. It takes just a few minutes to compare quotes from a range of trusted UK insurance providers, using our handy comparison tool.
Please note that you can’t select unlimited cover when you compare home insurance with us. You can choose buildings insurance cover up to £999,000 and contents insurance up to the value of £200,000. But you may find the list of quotes we give you includes providers offering unlimited cover.
