Cost guide
How much does a Contents insurance cost?
Thinking about protecting your belongings? Contents insurance helps you replace your items if they're damaged, lost, or stolen from your home. It covers everything from your sofa to your jewellery, giving you peace of mind. At CertifySpace, we make it easy to compare free quotes from trusted UK brokers. You'll see upfront costs and what's included, so you can choose the best cover for your budget.
Typical price
£60 to £250
What changes the price
Value of belongings
The more your items are worth, the higher your insurance cost will likely be.
Where you live
Some areas might have higher crime rates, which can influence your premium.
Your home security
Good locks and alarms often lead to lower insurance prices.
Claim history
Having made previous claims can affect future premiums.
Excess amount
Choosing a higher excess (what you pay first in a claim) can lower your premium.
Policy add-ons
Adding extra cover, like accidental damage or cover away from home, will increase your cost.
Prices by region
| Region | Low | Typical | High |
|---|---|---|---|
| London | £120 | £200 | £350 |
| South East | £90 | £160 | £280 |
| South West | £70 | £120 | £200 |
| East of England | £80 | £140 | £240 |
| Midlands | £75 | £135 | £230 |
| North West | £85 | £150 | £260 |
| North East and Yorkshire | £70 | £125 | £210 |
| Scotland and Wales | £65 | £115 | £190 |
Questions people ask
What is contents insurance?
It protects your personal belongings inside your home, including furniture, electronics, and clothing, against risks like theft, fire, or flood damage. It helps you replace these items if something unexpected happens. It's a great way to safeguard your treasured possessions.
Do I really need contents insurance?
If you want to protect your personal belongings, then yes, it's a wise choice. Imagine the cost of replacing everything you own if an emergency occurred. Contents insurance provides financial security for your possessions.
Does contents insurance cover me if I rent?
Yes, it's perfect for renters! Your landlord's insurance typically only covers the building itself. Your personal items would not be covered without your own policy. This means your furniture, clothes, and gadgets are safe.
How can I lower my contents insurance cost?
You can increase your excess, improve your home security, or choose an annual payment. Bundling policies with your home insurance can also sometimes save you money. Always shop around for the best deal.
What should I do before getting a quote?
Make a list of your belongings and their approximate value. This helps you get an accurate quote and ensures you have enough cover. Knowing the value means you can choose a policy that fits your needs.
Will my items be covered outside the home?
Standard contents insurance usually only covers items inside your home. You can add 'personal possessions' cover for items you take out, like your phone or bicycle. Check your policy details carefully for specific exclusions and inclusions.