Contents insurance for renters

What’s covered

• Unlimited contents cover
  There’s no limit to the total value we’ll insure your belongings for ¹ . 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.
  
  So whether you’re a cuddly toy collector or a serial shoe-shopper, we’ve got you covered.
• Food in your freezer
  We’ll replace the food in your freezer if something happens to it. So if it breaks or you accidentally turn it off, there’s no need to worry.
• In your garden
  Our cover also gives you peace of mind for the things in your garden, with up to £1,500 worth of protection against theft or vandalism. And if an accident happens – say, the garden fence goes up in flames – we’ll take care of that, too.
• Contents temporarily removed from the home
  Your contents are protected from loss or damage caused by fire, theft or flooding while temporarily removed from the home and garden to another place (except a furniture depository) in the British Isles, up to £5,000. But if you need more wide-ranging protection, our extra personal belongings add-on will make sure you're covered anywhere in the world.
• Personal money
  We cover personal cash in your home - including items such as gift vouchers, season tickets and phone cards - as part of our standard Contents Insurance up to £750.

What’s not covered

Unfortunately, we can’t cover everything as standard – make sure you’re happy with what’s not covered, including:

• Bicycles stolen from your garden (unless they were securely locked to an object that can’t be moved)
• Any motorised vehicles, aircrafts, caravans or watercrafts
• Misplacing or accidentally losing items 
• Wear and tear, and the cost of repairing breakdowns

You can take a look at our full policy details to see the full details of what's covered.

Read our policy wording (PDF 668 KB)

What’s optional

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.
  
  f 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)