Contents insurance

Protect your household belongings and valuables from loss or damage.

What is home contents insurance?

Contents insurance is designed to protect your belongings. For instance, a contents insurance policy could cover the cost of repairing damaged possessions within your home against an insured event such as flooding.

Contents insurance will cover you against loss and damage to your belongings. HomeProtect contents insurance covers your household goods and all other personal items within the property, as well as non-permanent fittings like carpets and curtains, against losses from fire, storm, flood, escape of water, vandalism, burglary and subsidence.

For accuracy, the best way to calculate your insurance 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.

Contents Insurance

Calculating the value of your contents

To stay safe, the best way to calculate your insurance is to take a methodical approach.

Read the article

Cover away from the home

We offer Personal Possessions cover which will protect your belongings if something happens to your valuables outside the home. This can be applied to items like clothing, jewellery, watches, cameras, baggage and sports equipment. This is useful for belongings that you normally carry about with you or that you might take away on holiday.

Specified items

You can insure your pedal cycles, laptops, tablets, gadgets and mobile phones under your Contents insurance – although do make sure that you specify these items individually when you set up a policy. This is essential to be certain that your gadgets and other high value items are covered.

What is covered by contents insurance?

Contents insurance covers the belongings in your home against loss or damage, including furniture, homeware and personal items like jewellery. Terms vary per policy; make sure that you have specified your belongings where relevant to be fully covered.

What is included in personal possessions?

When you take out a contents insurance policy your belongings will often be protected within the boundary of the property. To insure items outside the home or of particular value then you should take personal possessions cover, which applies to items that are often take out daily like jewellery, keys, laptops and smartphones.

Additional Cover Options

Accidental Damage

The HomeProtect policy will (in most cases) include a Basic level of Accidental Damage, which covers some electrical items in your home, including your TV, satellite decoders, DVD, DAB, radio, gaming console and home PC (not portable computers) as well as mirrors, windows, sanitary fittings and ceramic hobs. Upgrades to Full Accidental Damage cover are available subject to policy terms and conditions.

Legal Expenses cover

The insurance policy includes Basic Legal Expenses cover which provides up to £25,000 for legal fees you may face for disputes associated with your home; such as ownership of the insured property; and the sale or purchase of the insured property. You can upgrade to Full Legal Expenses cover.

Home Emergency cover

The insurance policy includes Basic Home Emergency cover which provides cover for common home emergencies including burst pipes; failure of the water, gas or electricity supply; removal of pests or vermin; and roof damage. You can upgrade to Full Home Emergency cover.

Defaqto 5 Star home business insurance
High value contents

High value contents insurance

Read more
Shed insurance

Shed insurance

Read more
Garage insurance

Garage insurance

Read more
Bicycle insurance

Bicycle insurance

Read more
Handbag insurance

Handbag insurance

Read more
Collectibles insurance

Collectibles insurance

Read more
Engagement ring insurance

Engagement ring insurance

Read more
Wedding ring insurance

Wedding ring insurance

Read more
Watch insurance

Watch insurance

Read more
Mobility scooter insurance

Mobility scooter insurance

Read more
Jewellery insurance

Jewellery insurance

Read more
Artworks insurance

Artworks insurance

Read more
Camera insurance

Camera insurance

Read more
Gadget insurance

Gadget insurance

Read more
Insure your glasses

Glasses insurance

Read more

What our customers say

Your questions answered

contents insurance

Contents insurance FAQs

Need more information? Visit our contents insurance FAQs section and get the answers that you need to protect your property.

Learn more

"I looked at a few different quotes for my contents insurance and Home Protect are the best value for money. Also their customer service team are extreme helpful and polite"
1 March 2017 via Trustpilot

Miss Geddes, Stockport

Renewing later?

Which month does your home insurance renew?

Tell us to receive special offers from us by email at the right time.

Plus we'll enter you in a £100 voucher prize draw now!

You might be interested in…



Get your contents insurance quote online now!

Get a quote