Contents insurance covers the belongings inside your home — furniture, electronics, clothing and personal items — against risks such as fire, theft and flooding. It is separate from buildings insurance, which covers the structure itself (walls, roof, fixed fittings).
What it typically covers
- Theft or attempted theft
- Fire, smoke and explosion damage
- Flood and storm damage
- Accidental damage (often an optional add-on, not standard)
Worth checking before you buy
Single-item limits (high-value items like jewellery or a laptop may need listing separately), whether items are covered away from home ("personal possessions" cover), and the total sum insured versus the real replacement value of your belongings.
This is general information, not financial advice — compare policies directly for the exact terms that apply.
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