Contents insurance for tenants

What’s covered

• Unlimited contents cover
  There’s no limit to the total value we’ll insure your belongings for ¹. So whether you’re a cuddly toy collector or a serial shoe-shopper, we’ve got you covered.
  
  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.
• 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 around the contents 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.
  
• Away from home
  We offer basic cover for your belongings anywhere in the UK, up to £5,000. But if you need more wide ranging protection, our extra personal belongings add-on will ensure you’re covered anywhere in the world.
  
• Extra personal belongings cover
  We offer optional extra personal belongings cover that 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. 
• Personal money
  We cover personal cash as part of our standard Contents Insurance. But with our extra personal belongings cover, your cash – including items such as train tickets, gift vouchers and phone cards – will be covered worldwide up to £750. You’ll also be protected in the event of damage or theft from your home ¹.
• 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 2 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 wine on your cream sofa
  
  To add this to your policy, simply select the add-on when you get your quote.

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

Take a look at our full policy details to see full details of what's covered.

Read our policy wording (PDF 668 KB)