Contents insurance provides cover in the event that the possessions in your home are stolen, destroyed or damaged.
What in your home is contents?
Imagine if you turned your house upside down. Everything that falls out would be considered contents, and you'd need contents insurance so that these things are covered.
Why choose us?
- We recognise loyalty through Mutual Bonus - money off your premium at renewal
- We pay out on 98% of claims with a quibble approach*
- No admin fees for changes to your policy and no charges on Direct Debit
- UK- based call centre and 300 offices offering a local personal service
Contents Insurance Summary
Product Feature |
Home and Lifestyle Insurance > |
NFU Mutual Bespoke Home Insurance > |
| Repair or replacement of contents in the event of insured damage or loss | Amount you choose, up to £100,000 |
A bespoke amount that you choose Accidental damage cover included as standard |
| Accidental damage cover included |
Restricted, with option to upgrade |
Full worldwide cover |
| Personal Belongings Insurance |
Optional Personal Belongings Insurance Product Information Document [PDF: 75KB] |
Up to £20,000 per item, with the option to specify more valuable items |
| Alternative accommodation | 25% of the contents sum insured amount | Up to the contents sum insured amount |
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Provided by ARAG Plc. |
Optional |
Included as standard, limit of £1,500 per claim |
| Replacement of locks | Replacement if keys are stolen, we'll pay up to £1,000 if keys are lost | Replacement if keys are lost or stolen up to contents sum insured amount |
| Fine art and collections and valuables, including jewellery |
Up to £7,500 |
£10,000, we can also provide specific Fine Art and Collections Insurance and Valuables Insurance |
| Garden contents | £5,000 | £50,000 |
| Trees, shrubs and lawns | £2,000 in total, £250 for any single item | £50,000 or 10% of the contents sum insured amount |
| Money in the home | £2,500 | £10,000 |
| Unauthorised use of credit cards | £10,000 | £50,000 |
| Legal liability | £2.5 million** | £10 million |
| Damage caused by pets |  |
£5,000 |
| Legal expenses cover | £50,000 | £100,000 |
| Student belongings | £7,500 | Up to contents sum insured amount |
| Small boats and equipment |
Optional |
£5,000 |
| Damage to marquees and hire equipment | |
£50,000 |
| Access to a 24 hour emergency helpline |
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