Who needs home and contents insurance?
Buildings insurance will protect the bricks and mortar of your home, but you’ll still need contents insurance to cover your possessions. You can often save money by combining the two.
Your landlord is responsible for the property, but you’ll want to cover your possessions and any furniture and appliances you take to your rented home with tenants insurance.
If you rent out a furnished property, you can protect your belongings against damage and theft with landlord contents insurance.
Holiday / Bach homeowner
You may need specialist holiday home contents insurance for your second home if it’s left empty for long periods of time or you rent it out.
What is contents insurance?
Contents insurance is a type of home insurance that covers the possessions in your home. It could cover the cost of replacing them, if they’re stolen, destroyed or damaged. It can be bought separately, or combined with buildings insurance as part of a home insurance policy.
What contents insurance add-ons are available?
When you compare quotes with us, you can choose to include extra cover for an additional cost, such as:
- Accidental damage: to cover you for those awful slow-motion moments where the kids knock over the TV or you spill red wine on your new cream sofa.
- Home emergency cover: can help with emergency repairs for burst pipes, boiler breakdowns and a broken window, for example.
- Legal expenses: to cover the cost of legal advice and representation if someone makes a claim against you. For example, if someone gets injured in your home or you have a dispute with a neighbour.
- Personal possessions cover: also known as out-of-home cover, this can protect valuables you regularly take with you while you’re out and about – like your mobile, laptop, watch and handbag.
- Away from home cover: can help protect your children’s belongings while they’re away at university.
If you can improve your home security by adding alarms or getting better locks for your doors and windows, your home is less likely to be burgled. This means insurance providers will see you as less of a risk, which can lead to cheaper insurance.
Like all insurance policies, there’ll be an excess to pay if you need to make a claim. If you offer to raise the amount you’re willing to pay for this, it could bring the cost of your insurance down. But, remember, you’ll need to be able to afford this if you make a claim.
Paying for your insurance annually is almost always cheaper, as monthly instalments usually include interest. For the best price for your quote, you should pay up front if you can.
Details about your property, including:
• Your postcode
• When your home was built
• The number of rooms
• What your home is made from
• Details about the surrounding area and any previous flooding or slips.
Personal details, including
• Whether you own, rent or have a mortgage on your home
• Your employment status
• Who is living with you
• How long you’ve lived in your home
• If you work at home.
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