Contents insurance for renters

What’s covered

• Unlimited contents cover
  There’s no limit to the total value we’ll insure your belongings for. Your contents – including valuables up to a single item limit of £2,000 – are protected from loss or damage caused by fire, theft or flooding.
• Your garden
  We offer up to £12,000 of protection for the things in your garden against theft and vandalism, (Conditions apply). So don’t worry – your garden gnomes are covered.
• Cover for Outbuildings and Garages
  Cover contents in garages and outbuildings within property boundaries up to £7,500.  (Conditions and Limits apply)
• Contents temporarily removed from the home
  If your things are temporarily elsewhere in the British Isles (except in a furniture depository), your contents are protected from loss or damage caused by fire, theft or flooding, up to £12,000. But if you need more wide-ranging protection, our extra personal belongings add-on will make sure you're covered anywhere in the world.
• Frozen food
  If your freezer breaks, or you accidentally turn it off, you’re covered – we’ll replace all your ice cream. And everything else that was in there too up to £1,000.
• Matching items cover for contents
  We'll cover the cost of replacing undamaged items in a set such as matching furniture suites (conditions apply), if we're  unable to provide a matching replacement (up to the contents and personal belongings limits).
• We'll replace damaged items with new ones. Or pay for them to be restored, repaired or replaced.
• Damage due to wear and tear or breakdowns is not covered. Accidental damage is an optional cover.  Cover allows for refurbished mobile phone to be provided as replacement.

What’s not covered

• Wear and tear, and the cost of repairing breakdowns
• Theft of unsecured bikes from your garden. Unless your bike was securely locked to an immoveable object, it’s not covered against thieves
• Motorised vehicles, aircrafts, caravans, or watercrafts of any kind. They’ll need to be insured separately

You can take a look at our full policy details to see the full details of what's covered and what's not.

What's optional – extra cover if you need it

Choose optional add-ons at an additional cost to create cover that suits you.

• Extra personal belongings cover
  
  We offer optional extra personal belongings cover that you can add to your policy, which gives your possessions more protection against the unexpected.
  
  This protects individual items up to £2,000. And even if you take your belongings away from home, we’ll cover you for theft, accidental loss, and damage worldwide.
  
  If you want to cover more expensive items worth over £2,000, we can also help out.

• Optional accidental damage
  
  This is an optional extra that you can add to your policy. While your standard cover protects you against things like fire and theft – accidental damage cover goes much further. We offer two levels of cover – 'Limited' and 'Extra':

• Limited cover insures you against accidental damage to non-portable home entertainment equipment, mirrors, and glass in furniture (like in cabinets or coffee tables)
• Extra cover insures almost all of your contents if they’re damaged accidentally – so no need to panic if you spill that glass of red on your cream sofa
  
  To add this to your policy, simply select the add-on when you get your quote.

Take a look at our Insurance product information document for more information about the extras available.

Read our Insurance product information document (PDF 82 KB)