Protect the possessions in your home from theft and damage with contents insurance.
What's covered by contents insurance?
Imagine if you turned your house upside down - everything that fell out would be considered contents. You need contents insurance to make sure that items including furniture, soft furnishings, jewellery and electrical devices are covered.
Both our Contents Insurance policies provide a high level of cover for your home contents, including alternative accommodation cover, cover of garden contents and legal expenses cover, all included as standard.
Why choose us?
- We reward our loyal customers through a Mutual Bonus which provides a saving on the renewal premium of your General Insurance policy.
- UK-based call centre and 300 agency offices offering a personal service.
- We don't charge admin fees for changes to your policy or payments made by Direct Debit.
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 £150,000 |
A bespoke amount that you choose Accidental damage cover included as standard |
| Personal Belongings Insurance |
Optional Personal Belongings Insurance Product Information Document [PDF: 75KB] |
Included as standard |
| 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 for fine art and collections and £10,000 for valuables 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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