Contents cover for renters
Our Contents Insurance is perfect if you’re a tenant or renting a property. It covers not just your belongings, but cash and train tickets too, so you can be confident your possessions are protected.
Unlimited sum insured
There’s no limit to the overall amount we’ll insure your contents for – so you don’t need to worry about being underinsured 1.
Covers cash in your home up to £750, including travel tickets, gift vouchers and phone cards.
Moving home cover
Simply tell us your new address and we'll cover you when a professional removal company is helping you move to your new home.
As a renter, you won’t usually need to worry about buildings insurance as this is normally your landlord’s responsibility.
Our cover explained
If you’re renting your home, our Contents Insurance could help protect your prized possessions. It covers your gadgets, cash, clothes and furniture – even the food in your freezer – from fire, floods and theft.
And if you move home, you can take your cover with you. All you need to do is tell us your new address – so no need to start from scratch.
Here's a breakdown of what's covered by our Contents Insurance.
What does Contents Insurance cover?
Our Contents Insurance covers your household items including money, valuables and home office equipment. Plus, you can add extra worldwide cover for your bikes and personal belongings.
- 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.
If you already have insurance with us, you'll find the documents for your policy in MyAviva.
Tailor your policy with our add-ons and get extra cover for your home and belongings.
Protected no-claims discount
If you haven't made a claim for 5 years or more, you can protect your no-claims discount.
Cover for you and your domestic partner, as well as any family members living with you.
Extra personal belongings
Additional cover for your belongings in the UK and worldwide, including personal money and credit cards.
Choose between 'extra' and 'limited' cover for items from cables and service pipes to home entertainment equipment.
Looking for more cover?
We’ve got a range of products to protect what’s important to you.
From porches to patios, our Buildings Insurance helps to protect the structure of your property.
Still need help? Give us a call.
Monday to Friday: 8:00am - 8:00pm
Saturday: 8:30am - 5:00pm
Sunday: 10:00am - 4:00pm
For our joint protection, telephone calls may be recorded and/or monitored and will be saved for a minimum of 5 years. Calls to 0800 numbers from UK landlines and mobiles are free.