Home Contents Insurance
- We can provide a home insurance quote online in 97% of cases*.
- 5 Star rated by Moneyfacts.
- Underwritten by AXA Insurance.
- Average quote time is only 10 minutes.
More information
Contents Insurance
What is home content insurance?
Household contents insurance protects policyholders against the cost of repairing or replacing items both inside and outside the home, following an insured event such as storm, fire, flooding, theft, malicious damage, subsidence, and more.
With Homeprotect contents insurance, your belongings are typically covered against all these insured events, plus we offer optional cover to meet your needs, including accidental damage, personal possessions cover, and specified items cover for bikes, gadgets and valuables. Contents insurance protects you against damage to your belongings. Homeprotect contents insurance covers your household goods and all other personal items within the property against losses from fire, storm, flood, escape of water, burglary and subsidence.
The best way to calculate the value of your belongings for insurance purposes is to take a methodical approach. Go from room to room and compile a list. Take your time and be thorough, listing each item, make and model and the price at purchase if you can. Don’t forget that although your garage and shed are protected by buildings insurance for outbuildings, you still need to take any belongings stored in there into account when calculating your sum insured.
What’s covered by contents insurance?
Having contents insurance means you won’t be out of pocket if you need to repair or replace your belongings after they’ve been stolen, damaged or destroyed.
What we offer
Quick fix for uncontrollable leaks
Have a home emergency, such as electricity failure, faulty locks or vermin infestation? With the 24/7 Home Emergency cover, which we provide as standard, you can typically get an engineer at your home within four hours. And if you’re worried about an uncontrollable leak in your home, we aim to have an emergency plumber to you within two hours.
Extreme weather conditions may extend response time. Policy terms and claim limits apply.
New for old
Where we replace an item, we will do our best to meet the original specification on a ‘new for old’ basis. If we can’t find an exact replacement, we’ll offer you a suitable alternative, or a full cash settlement.
Legal advice
We provide Legal Protection cover as standard, giving you access to telephone legal advice on any personal legal issue, under the laws of the UK, any European Union country, the Isle of Man, Channel Islands, Switzerland and Norway.
What isn’t included?
Lost items.
Items stolen from unoccupied vehicles.
Damage caused by pets.
The cost of repairing or replacing items following a mechanical or electrical fault.
specialist Home Insurance Reviews
Get a home insurance quote online
Get a quote online in less than 10 minutes*
What else does my contents insurance policy include?
New for old
Where we replace an item, we will do our best to meet the original specification on a ‘new for old’ basis. If we can’t find an exact replacement, we’ll offer you a suitable alternative, or a full cash settlement.
Liability cover
Liability cover is provided with all Homeprotect policies as standard and protects you against legal claims and damages if someone is injured or their property is damaged due to an incident involving you or your household. This includes up to £5,000,000 in total per Period of Insurance to pay damages and claimants’ costs and expenses (agreed by us in writing) for your legal liability in the event of accidental death, bodily injury or illness to Staff or to the Public.
For more information on the terms of our liability cover, view our policy booklet.
Basic legal expenses
Basic legal expenses cover is provided with all Homeprotect policies as standard and provides legal and tax telephone advice, together with up to £25,000 per claim for legal costs and fees associated with certain contract disputes or legal matters such as property damage, nuisance and trespass. This can help cover the expenses of seeking legal advice and representation.
Find out more about legal expenses insurance.
Basic home emergency
Basic home emergency cover is provided with all Homeprotect policies as standard and provides 24/7 emergency assistance (up to £500 per claim) for unexpected incidents that require immediate attention, such as burst pipes, blown electrics, or damage to windows and doors resulting in a security risk. Temporary measures can be put in place until permanent building repairs can be made.
Find out more about home emergency cover.
Contents Insurance Cover Levels
Our contents insurance is designed to protect your belongings against insured events such as fire, storm, flood, escape of water, theft, malicious damage, subsidence, landslip or heave.
Contents cover
Covering the value of the possessions you could take with you when moving home, such as furniture, clothing, valuables, appliances, fittings, entertainment equipment, gadgets and bikes, following an insured loss. Cover provided on a new for old basis.
from £25,000
Alternative accommodation
Covers the cost of alternative accommodation for you and your pets, together with reasonable expenses (e.g. travel, food, laundry) if you can’t live in your home (or where you’ve been advised to evacuate) due to an insured loss.
up to £10,000
Home emergency
Covers sudden, unexpected emergencies, such as uncontrollable water leaks, that require immediate corrective action to prevent or limit damage to your home, or make your home secure. Two levels of cover are available, for different types of insured loss.
up to £500
Family legal protection
Covers legal costs following an insured loss. There must be reasonable prospects of winning and the incident must have occurred during the policy term. Two levels of cover are available, for different types of insured loss.
up to £25,000
Liability cover
Covers damages and claimants’ costs and expenses for your legal liability in the event of accidental death, injury or illness to a third party, or damage to property belonging to a third party.
up to £5 million
Personal possessions
Covers items likely to be worn, carried or used by you away from your home (e.g. bags, clothes and sports equipment) in the event of physical damage or theft. Cover provided anywhere in the world.
Optional
Gadgets, bikes and valuables away from the home
Cover for electronic gadgets (e.g. mobile phones, laptops, tablets etc), bikes (including electrically assisted bikes), valuables (e.g. watches and jewellery), equipment (e.g. hearing aids) and other expensive or high risk items that you take out of your home.
Optional
Accidental damage
Covers sudden, unexpected and unforeseen events around the house (e.g. spillages or breakages) that result in physical damage and which was caused by you, your guests, a third party or wild animals. Two levels of cover are available.
Optional
What isn’t included in Homeprotect contents insurance?
- Items you don’t own or aren’t legally responsible for
- Lost items
- Items stolen from unoccupied vehicles
- Damage caused by gradual wear and tear, or by pets
- Failure to fix a known issue, faulty design, or poor workmanship.
For more information on the terms of our home contents insurance, view our policy booklet.
Recommended by our customers
72% Saved money when they switched to Homeprotect*
*Survey data of 1,089 buying customers from 30th October – 12th November 2024
Optional contents cover
At Homeprotect, we also offer several optional policy add-ons with our contents cover, to suit your situation. These include:
Accidental damage cover
Accidental damage cover is an optional policy add-on designed to protect your contents against unintended or unexpected events, caused by the policyholder, guests or a third party that cause sudden damage requiring a repair or replacement. It’s important to bear in mind that this does not include wear and tear, gradual damage or mechanical fault.
Find out more about accidental damage cover.
Specified items cover
Bikes – Any pedal cycle, including electrically assisted pedal cycles and any accessories attached to the bike, e.g. bike locks or water bottles.
Specified Items are items of contents that must be specifically listed for them to be covered. Commonly listed items include ‘High Risk Items’ (like jewellery and watches), portable electronic gadgets and bikes, but you can specify any item that’s classified as contents. Each item must be individually listed, unless they form part of a set.
Electronic gadgets – Items which contain a processor and are designed to be portable, such as: camcorders, digital cameras, gaming devices, laptops, mobile phones, smart watches, tablets and wireless earphones.
High risk items:
| Valuables Clocks; furs; gold, silver and other precious metals (including plated items); jewellery and watches; and works of art. |
| Collectables Coin collections; guns; medals; and stamp collections. |
| Equipment Medical equipment (including hearing aids); ride on or robotic lawnmowers; and wheelchairs or mobility scooters. |
Personal possessions cover
Personal possessions cover provides protection for your everyday possessions (excluding bikes, gadgets and high-risk items such as valuables), individually worth less than £1,500, that you regularly take away from your home.
Cover away from home
This optional cover is designed to protect everyday Personal Possessions individually worth less than £1,500 that you regularly take away from your Home. It covers you against physical damage or theft, anywhere in the world. This is useful for belongings that you normally carry about with you or that you might take away on holiday.
How do I estimate the value of my house contents?
The best way to calculate the value of your belongings for insurance purposes is to take a methodical approach.
Create a detailed list of valuable contents from every room in your home – including make and model and the price at purchase.
And don’t forget that, although your garage and shed are protected by buildings insurance for outbuildings, you still need to take their belongings into account when calculating your sum insured.
New Customer?
If you’re deciding on whether to buy home insurance with us, you can use our latest policy booklets as a guide.
Existing Customer?
Your latest policy documents are available to view and download.
Prefer to SPEAK WITH us?
Our insurance experts are on hand if you have any questions.