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Contents insurance
Contents insurance for your home
Contents insurance covers possessions you would take with you if you moved house. This includes furniture, clothing, personal belongings and valuables.
Optional extras
- Accidental damage cover
- Valuables – you must let us know what these are. See below for more information.
What are valuables?
Valuables are items within your home such as:
- Jewellery
- Precious metals
- Clocks & watches
- Pictures & works of art
- Stamps
- Coins or medal collections
Jewellery cover is included in our policy, but you need to consider its value. Unique or very valuable items may need extra cover or special terms so it's best to speak to us.
Our standard level of contents cover includes the following limits for valuables:
- Up to £10,000 for 1 or 2 bedroom properties
- Up to £15,000 for 3-bedroom properties
- Up to £20,000 for 4 or 5 bedroom properties.
If you have chosen your own contents sum insured, your valuables limit will be 35% of this amount.
You must tell us if any one item or collection is worth £3,500 or more.
It’s always best to keep proof of purchase. Photographs, and any legal documents will also help to prove ownership of these items in case of a claim.
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