Searching for competitive home contents insurance quotes? If so, simply find the company that best matches your individual profile using the Insurance Quote finder or get an online quote direct from the top home insurers listed on the right.

Alternatively, read our guide below concerning what you need to know regarding contents insurance for your home.

Contents Insurance Guide

Most people buy home contents insurance to insure their possessions against unexpected events such as theft, fire, smoke damage, lightening, escape of oil, flood and accidental damage.

The level of contents cover offered by companies can vary enormously. This is demonstrated by policy limits, claim excesses and the basis of cover. Generally, there are two distinct types of  contents insurance cover, new for old and ordinary. New for old cover usually provides either new replacements or the cash equivalent for household goods which may include furniture, carpets, curtains, personal belongings in the home and outbuildings such as garages and sheds. Ordinary contents insurance cover deducts amounts for wear, tear and depreciation. Some policies also cover freezer food, bicycles, and meet the cost of temporary alternative accommodation in the event of the home becoming uninhabitable following a burst water pipe or lightening strike.

For those individuals who require accidental damage cover to provide protection for carpets, furniture, televisions, computers and home entertainment systems, look out for buildings or contents policies that incorporate this into the policy as standard. Many home insurance providers offer accidental damage cover as an optional extra for an additional premium.

Certain home contents insurers offer discounts to attract new customers such as no claims bonuses and insurance company approved home security features. These can include door locks and windows, maintained burglar alarmed systems, and membership of the local official neighbourhood watch scheme. In some areas of the country such as inner cities or areas of relatively high crime, it may be a requirement of the contents policy to fit insurance approved security door and window locks.