Home Contents Insurance
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- 5 Star rated by Moneyfacts.
- Underwritten by AXA Insurance.
- Average quote time is only 10 minutes.
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Contents Insurance
What is home contents insurance?
Contents insurance protects your belongings against a wide range of risks, including fire, storm, flood, escape of water, theft, malicious damage, subsidence, and more. It covers the cost to repair or replace your household goods and personal items if they are damaged, destroyed or stolen due to an insured event.
With Homeprotect, your contents are typically covered against these major events as standard. You can also choose optional extras like accidental damage, personal possessions cover, and specified items cover for bikes, gadgets and jewellery.
The best way to calculate the value of your belongings for insurance purposes is to take a methodical approach.
– Go room by room and list all your belongings
– Include details like make, model and original purchase price where possible
– Don’t forget to include items stored in garages, sheds and outbuildings
While buildings insurance protects the physical structure of your home, contents insurance is what protects the possessions inside them.
What’s covered by contents insurance?
Your belongings make your house feel like home. If they’re stolen, damaged or destroyed, our contents insurance helps cover the cost of replacing them — so you’re not left out of pocket.
- Fire and smoke
- Flood and storm
- Theft and attempted theft
- Escape of water or oil
- Malicious damage
This includes items like furniture, electronics, clothing and kitchenware — plus a limited amount for contents stored in garages, sheds and outbuildings within your boundary.
What we offer
Emergency help when you need it most
If you have a home emergency — such as a power outage, uncontrollable leak or a broken lock — our 24/7 Home Emergency cover is included as standard.
- We aim to get an engineer to you within four hours
- For serious water leaks, we’ll try to have a plumber with you in two hours
Response times may vary during extreme weather. Policy terms and claim limits apply.
5 star rated cover
Our insurance has received the highest rating from independent financial researchers, Moneyfacts.
12-month repair guarantee
Any repair work we arrange after a claim is guaranteed for one year.
New for old
Where we replace a damaged or stolen item, we’ll do our best to match the original — on a ‘new for old’ basis. If that’s not possible, we’ll offer a suitable alternative or a full cash settlement.
Legal support when you need it
Family Legal Protection is included as standard. You’ll have access to expert telephone legal advice on personal matters under the laws of the UK and most of Europe.
What isn’t covered?
There are some things we can’t cover, including:
Items you don’t own or aren’t legally responsible for
Items stolen from unoccupied vehicles
Gradual wear and tear, or damage caused by pets
Faulty design, construction, or workmanship or failure to fix a known issue
Mechanical or electrical breakdown
Keeping your home and belongings in good condition is essential. If damage happens because of neglect or poor maintenance, your claim may be declined, and your policy could be cancelled.
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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
Protects your household contents — including furniture, clothing, appliances, gadgets and valuables — against events like fire, flood and theft. Cover is provided on a new for old basis.
from £25,000
Alternative accommodation
We’ll help cover the cost of temporary accommodation for you and your pets if your home becomes uninhabitable due to an insured event. If you stay with friends or family instead, we’ll cover your extra living costs.
up to £10,000
Home emergency
Covers sudden, unexpected emergencies — such as an uncontrollable leak — that require immediate action to prevent damage or secure your home. Two levels of cover are available, for different types of insured loss.
up to £500
Family legal protection
Covers legal costs for certain insured events. There must be a reasonable chance of success, and the incident must happen during your policy term. Two levels of cover are available, for different types of insured loss.
up to £25,000
Liability cover
Covers your legal liability for accidental death, injury or illness to someone else, or damage to their property.
up to £5 million
Personal possessions
Covers items you wear, carry or use outside the home (e.g. clothing, bags and sports equipment).
Optional
Gadgets, bikes and valuables away from the home
Optional cover for mobile phones, laptops, tablets, watches, jewellery, hearing aids and other high-risk items you take out of your home.
Optional
Accidental damage
Optional cover for unexpected mishaps around the home — such as breakages, spillages or damage caused by you, your guests or wild animals Two levels of cover are available.
Optional
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
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.
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