Contents Only Insurance

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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:

Compare Contents Insurance Quotes
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70+YesYesYesGet Quotes >
Compare - Latest Home Insurance Deals
ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
Rebuild Cost£50,000

40% no claim discount if you have been claim free for five years or more

Smaller discounts apply if you have been claim free for between one and four years. Discount doesn’t apply to home emergency or legal cover options. Minimum premiums apply.

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£1 million£100,000

Over 50s Home Cover - Buildings and contents insurance from £141 a year – 51% of customers who paid annually and took out a new policy between May and July 2015 paid this or even less

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£1,000,000£150,000

Great value 'Defaqto' 5 Star rated cover. £1 million cover if you need to rebuild your home, choose up to £150,000 for your contents cover, 24-hour UK emergency helpline, 12-month guarantee on repairs

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Unlimited£100,000

Up to 20% Online Introductory discount for new customers.

(See terms and conditions)

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UnlimitedUnlimited*

Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

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VariesVaries

Get quotes from over 65 home insurance brands in minutes, 25% of customers save up to £127.23, compare up to 30 policy features at once

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*There is no total sum insured, but other limits apply including single article and total valuables limits.

** Up to 50% offer includes introductory 25% discount applied to annual home insurance premium and not to additional extras. £30 gift card applies when purchasing new combined cover.

***99% of people who had a buildings and contents quote during May 2012 received a discount of at least 15%.

♦ Not available to customers renewing their existing cover

 ****Discount applies when you buy buildings and contents together. 30% combined and 20% online discount deducted consecutively. Excludes optional covers. Minimum premiums apply. New customers only.

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.