Contents Insurance
More Than Just ‘Stuff’
It’s easy to underestimate the value of everything in your home until something happens. If fire, theft, or damage strikes, the cost of replacing furniture, electronics, appliances, and personal belongings can quickly add up. Contents Insurance gives you the financial safety net to replace what’s lost, protect what matters, and get back to normal without the stress.
What Does Contents Insurance Typically Cover?
- Household items: furniture, appliances, and whitewater
- Personal belongings: clothing, jewellery, tech devices
- Portable items: phones, laptops, bags, bikes
- Accidental damage (optional)
- Loss or damage from fire
- Flood or storm
- Theft or vandalism
- Power surge or electrical fault
- Replacement of items at current value (new-for-old)
Some policies include cover for items outside the home, like when you’re travelling, commuting, or at work.
What’s Not Usually Covered?
- Wear and tear or depreciation
- Items used for business (unless declared)
- Unlocked/unattended loss, like phones left in cars
- Non-disclosure of high-value items like jewellery or art
Who Needs Contents Insurance?
- Renters, flatters, and students
- Homeowners (as a pair with Home Insurance)
- Families with kids or high-value items
- Anyone who’d struggle to replace everything from scratch
Related Cover to Consider
You might also need Home Insurance for structural damage.