You should expect that a home contents insurance only policy will cover:
- The replacement of belongings. Many insurers use the ‘new for old cover where damaged items are replaced with a new one
- The damage or theft or money and personal items such as jewellery.
- Electrical appliances (e.g. TV, computer)
If you already have building insurance, then you may want to consider taking out a home contents insurance only policy with the same company. Many companies offer a discount to customers who take out a joint policy.
You should think about how much contents insurance you are going to need and be careful not to underestimate the value of your belongings. Before applying for a quote, it may be a good idea to make a note of the costs of everything you are looking to insure. This includes anything from DVDs, video games, cameras and clothing, to curtains and jewellery.
The panel of insurers below offer home contents insurance only as well as a combined policy with buildings insurance. It is worth spending some time looking at a number of quotes before you settle of the right home insurance quote for you.