Contents Only Insurance

Your personal belongings have sentimental as well as monetary value to you, and if they were to become lost, stolen or damaged do you think you could afford to replace them? Contents only insurance will cover your household possessions should anything happen to them.

If you do not own your home or you are a tenant, it is likely that you will need only contents insurance. Contents in this instance will be classified as all of the things you would take with you if you were to move house. This means things such as TVs, stereos and books and does not mean permanent fixtures and any furniture that was already in the property when you moved in.

It may seem like there are a bewildering amount of insurance providers out there, so our comparison tables should make the job of getting contents insurance quotes a little easier and help you to get the best deal:

If you are looking to purchase contents only insurance, you may find that the policy offers:

• Either ‘new for old’ cover or indemnity cover.
• Protected items will usually include jewellery, furniture, electrical appliances, clothes, upholstery and money.
• Accidental damage cover
• Protection for your possessions from fire, storms, floods, vandalism, theft and attempted theft.

You may also want to look for a contents only insurance policy that covers your garden and garage, as you may keep some of your valuables in these places.

Contacting your current insurance provider, if you already have buildings insurance, may help you save some money. Most companies who offer both buildings and contents insurance only, will offer a discount when you take out a combined policy or you go with the same company.

Contents only insurance is widely available from a range of home insurance providers. Because there are so many, it is important to source a few different quotes and compare prices.