Contents Insurance

Protecting your belongings

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 over 295 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


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

Home Emergency Cover 

Provided by ARAG Plc.


Included as standard, limit of £1,500 per claim

Replacement of outside 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


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