Contents Insurance

Cover for inside the home

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?

  • UK-based call centre and 300 offices offering a local personal service
  • We pay out on 98% of claims*
  • No admin fees for changes to your policy and no charges on 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 £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


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

Home Emergency Cover 

Provided by ARAG Plc.


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


Legal expenses cover £50,000 £100,000
Student belongings £7,500 Up to contents sum insured amount
Small boats and equipment



Damage to marquees and hire equipment


Access to a 24 hour emergency helpline