Insurance
Protect what makes the property your home.
Furniture, clothing, technology, jewellery, watches and the possessions collected over many years can add up to far more than expected. Contents insurance can help repair or replace those belongings after an insured event.
We will help you consider the total value, identify items that need to be named and explore cover away from the home where required.
What counts as contents?
Contents are generally the possessions you would take with you if you moved. Depending on the policy, this can include:
- Furniture, soft furnishings and household equipment.
- Clothing, footwear and personal possessions.
- Televisions, computers, phones and other technology.
- Watches, jewellery, art, collections and antiques.
- Bicycles, sports equipment and items kept in garages or outbuildings.
- Tenant or leaseholder improvements where these are not insured under the buildings policy.
Policy wording matters
The policy wording and limits determine exactly what is included. Business equipment, items used professionally, money, documents and certain collections may need additional consideration.
Leasehold contents cover
A block buildings policy for a leasehold flat usually protects the structure and common parts. It will not normally replace your personal possessions, and it may not cover every internal fixture or improvement.
Contents insurance is therefore particularly important for leaseholders. We will first establish what the block policy covers, then arrange the personal cover that is still needed.
Watches, jewellery and named items
Most contents policies have a single-item limit and an overall valuables limit. A high-value watch, engagement ring, piece of art, collection or bicycle may exceed those limits and need to be specified individually.
We will ask where the item is kept, whether it needs cover away from the home or overseas, and whether an up-to-date valuation, receipt, photograph or security measure is required. This is important because theft, accidental loss and accidental damage are not automatically covered in every situation.
How much contents cover do you need?
The relevant figure is normally the full cost of replacing all insured contents, not their second-hand value and not only the few items you expect might be stolen.
A room-by-room review is often the most reliable approach. Include cupboards, lofts, garages and outbuildings, then add valuables and items used away from the home. Review the figure after significant purchases or changes in lifestyle.
Where an average clause applies, underestimating the total can reduce a claim proportionately. It is therefore important to answer valuation questions carefully and check any pre-filled amounts before proceeding.
Optional cover to consider
- Accidental damage inside the home.
- Personal possessions away from the home.
- Bicycles away from the property.
- Home emergency assistance.
- Family legal protection.
- Higher limits or specialist cover for art, jewellery, watches and collections.
Focused, not padded
Optional sections, excesses and exclusions vary between policies. We will focus on the cover that is relevant rather than adding features without a clear purpose.
Home & Property Insurance
Frequently Asked Questions
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Usually not. Mortgage lenders normally focus on suitable buildings insurance. Contents cover protects your own belongings and remains important even where it is not a mortgage condition.
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Not usually when arranging ordinary cover, but proof of ownership and value can be important when making a claim. High-value specified items may require receipts or valuations from the outset.
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Only where the policy includes the relevant personal possessions or away-from-home section. Limits, territories and exclusions should be checked.
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Some policies allow limited business equipment, but professional use and higher-value equipment may require separate or specialist cover.
A considered policy for the things that matter.
Tell us about your home, the total value of your belongings and any items that need particular attention. We will help structure the cover and provide a clear quote.
Request a contents insurance quoteCover is arranged through our insurance sourcing arrangements, subject to underwriting and eligibility.
The information on this page is general guidance. Insurance is subject to underwriting and the terms, conditions, limits, exclusions and excesses of the selected policy. Full details will be provided before you decide whether to proceed.