Home Options - Contents Cover

At a glance

  • Comprehensive cover.
  • No interest for paying in monthly instalments by Direct Debit.
  • You’ll get the best online price returned from our panel of leading insurers.
  • Don’t forget that if you buy a combined buildings and contents policy you get £50 cashback after you’ve held your policy for 70 days and paid your first premium. Conditions apply.

What’s covered

As well as the usual things covered like theft, fire, flood and earthquakes we’ll give you a range of benefits as standard:

  • Up to £7,500 for any single high risk item.
  • Automatic contents increase by 10% of the sum insured up to £3,000 during the month of your religious festival. Also one month before and one month after your wedding day or that of any of your family to cover wedding gifts and extra items bought for the wedding.
  • Accidental damage cover to computers, TVs, video and audio installations.
  • Contents outside within the boundaries of your home up to £1,000.

We can either repair or replace any item as new if available, or with the nearest equivalent, or make a money payment instead.

Theft or attempted theft, malicious damage or vandalism As standard
Flooding, fires, smoke, explosions, storm, lightning or earthquakes As standard
Up to £7,500 for any single high risk item As standard
Contents sum insured increased automatically at those special times like Christmas or a family wedding. 10% increase, to a maximum of £3,000
Personal cash and credit cards stolen from your home Up to £500
Keys to external doors, safes and alarms in your home Up to £250
Visitors' belongings Up to £250
Escape of water from, or the freezing of, fixed domestic water installations, or escape of oil from fixed domestic oil heating installations As standard
24-hour emergency cover and helpline Optional
Alternative accommodation costs for you and your domestic pets if your home cannot be lived in following an event covered by your policy Up to 20%
of sum insured
Accidental damage to televisions, video, audio and computer equipment As standard
Accidental breakage of mirrors, fixed glass in furniture and ceramic hobs As standard
Other accidental damage – like red wine on the carpet Optional
Personal possessions outside the home Optional

If you choose to add any of the optional extras to your policy you will have to pay a small additional premium for each one.

For full details of terms and conditions, check the policy document.

Get combined buildings and contents cover with a £50 cashback offer. Conditions apply.

Getting a quote is simple.

You’ll need to have these things to hand:

  • Address of the property you want to insure
  • Date when your current insurance runs out
  • Approximate year the property was built
  • Details of your home insurance claims history

Read the full policy details in the Home Options Contents Insurance Policy Documents.

You may get two different policy documents from two different underwriters if you buy combined Buildings and Contents insurance.

Need help?

To speak to one of our home insurance advisers call 0800 056 3040.

For more detail on our insurance products, try our Online Assistant.

Get a quote

Getting an online quote for Home Options Contents Insurance is easy.

    Fill in your personal details with our straight-forward questionnaire and receive your quote instantly.

    What will I need?

    • The address for the property you wish to insure.
    • The date when your current insurance runs out.
    • The approximate year the property was built.
    • Details of your home insurance claims history.

      Need help?

      To speak to one of our home insurance advisers call 0800 056 3040.

      For more detail on our insurance products, try our Online Assistant.

        Why not try...

        New customers get £50 cashback when you buy combined Buildings and Contents Insurance online and hold the policy for 80 days. Conditions apply.

        Make a claim

        Find out how to make a claim on your home insurance.

        Contact us

        To speak to an adviser, call us on:

        0800 056 3040

        Policy documents