What is Contents Insurance?

Contents insurance is a type of insurance that takes care of damage to, or loss of your personal possessions located within your home. There are also short-term contents insurance policies that offer limited cover for personal belongings when these are on transit with the policy holder during travel.

What are considered personal possessions?

Personal possessions are those items that don’t permanently form part of the construction of the home. The possessions that are permanently fixed to the structure of the home can only be insured via home insurance. Some contents policies may also include possessions kept in outhouses or in the garden area of your home.

How to take contents insurance?


It is generally sold alongside home insurance but it can also be bought as a separate policy, particularly if you are renting rather than owning your home.

Cheap contents insurance

If you are considering cheap contents insurance, you should shop around, checking a number of different providers to make sure you are getting the best value for your money. Although policies vary from provider to provider, even in a cheap contents insurance policy you should try to cover personal belongings kept in the home, Personal belongings stored in the shed or garage , Carpets and curtains, Electrical fittings and other expensive gadgets.
A good policy should include Cover for theft or damage of personal belongings, Cover for theft or damage of furniture, Cover for theft or damage of non permanent fixtures and fittings such as curtains and carpets

Contents Insurance Comparison

When every insurer is promising online discounts and claiming to be the cheapest, it is hard to know which one is actually the best value for money. It is a good idea to do a contents insurance comparison to ensure you are getting the best policy for your needs. The following are some of the cheapest content insurance providers in the UK.

• LLoyds TSB Contents Insurance
• Nationwide Contents Insurance
• Natwest Contents Insurance
• Prudential Contents Insurance
• RAC Contents Insurance
• Sainsbury’s Contents Insurance
• Tesco Contents Insurance
• Abbey Contents Insurance
• Age Concern Contents Insurance
• American Express Contents Insurance
• Asda Contents Insurance
• Aviva Contents Insurance
• Birmingham Midshires Contents Insurance
• Halifax Contents Insurance
• HSBC Contents Insurance
• Liverpool and Victoria Contents Insurance