Home Contents Insurance

Home contents insurance is the insurance that most people think of when they think about home insurance in general. This covers you for theft of your property and damage to your possessions through flood, fire or accident. Read more...>

	More Than Home Emergency Assistance, up to £200 included as standard	0%
	Direct Line  40% off when you buy online	40%
		** 40% off Home Insurance when you buy online (Offer extended until 02.07.13) Excludes SELECT**
	Swift Cover 25% off discount applies when you purchase buildings and contents cover together	25%
		** Manage your policy online **
	Marks & Spencer  Save up to 45% when you buy online	45%
	Barclays 25% average online discount between 19% - 30% depending on your circumstances	25%
		** Half price contents cover **
	Halifax £50 cashback reward when you buy combined buildings and contents policy	0%
	John Lewis Unlimited buildings and contents cover	10%
	Tesco Choose from 3 policies - Finest, Standard or Value	0%
	AXA UK based handlers	45%
		** 45% discount when you purchase both buildings and contents cover together **
	Debenhams Free Home emergency cover worth £70.20	0%
	Co-operative Up to 25% off when you take out  buildings and contents insurance together	20%
	Lloyds £50 cash back for new customers when you buy combined buildings and contents insurance online	20%
	Policy Expert Choose from Bronze, Silver or Gold cover from our panel	0%
	American Express Choose from Standard or Prestige cover	5%
	Sainsbury's Bank Up to 20% discount when you buy online	20%
		**Up to 50% off if you have 5 years claim free.  Offer includes up to 25% introductory discount applied to annual home insurance premium, not additional extras**
	Legal & General UK based call centres	0%
	The AA Contents cover of up to £40,000 with higher levels available on request	20%

Compare Home Contents Insurance

There are many versions of contents insurance and you don't have to be a home owner to have it. As a tenant you can protect your belongings with contents insurance, although where there may be clauses where you have shared access to your home entrance which should be clarified before you take out the insurance. Home contents insurance usually specifies certain security criteria such as type of locks used and level of occupancy of the property and often discounts can be gained for up to date and maintained alarm systems.

A new for old policy will replace stolen or ruined items with brand new items rather than with an estimated lesser value. Many insurance companies have arrangements with suppliers to enable them to replace approved items quickly such as standard electrical goods.

In assessing your insurance cover it is easy to underestimate just how much it would cost to replace everything new so it's worth doing a check through of your possessions with the current retail price in mind. If you have some very expensive items such as high-spec audio or computer systems they may not be covered under the standard policy and may need to be added separately. Some home contents policies will cover bicycles but again you should check rather than assume that they are covered.

Accidental damage to your property, such as a spilled pot of paint on a carpet, may also need to be an additional extra for a standard policy.

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Please ensure that you fully read the terms & conditions of any product or policy before you decide to proceed and are fully aware of the total costs and the benefits and any exclusions or limitations applicable to the product or plan.

Please note that the product links will take you direct to the Issuer or Insurer's site direct and we cannot be held responsible for the information which they provide within their own sites. On some comparison tables we use a star rating which rates products by visitor popularity.