What is contents insurance?
Contents insurance is a type of household insurance policy that covers the possessions and personal belongings in your home against theft, loss and damage.
This includes damage caused by events outside of your control, including fire, theft, storms, floods, leaks and subsidence.
We can also include cover for:
- Belongings taken outside of your home, such as your mobile phone or jewellery
- Alternative accommodation in the event of a total loss
- Any contents that are temporarily removed from your home (including furniture, personal possessions such as clothing and jewellery). Note that theft isn’t covered unless specified.
- Wedding gifts
- Contents kept outside your home, such as in your garden
- Contents in your freezer
- Your child’s contents if they’re away at university
You can take contents only insurance out as a standalone policy or combine it with buildings insurance depending on your needs.
Get a Home Contents Insurance Quote
Do I need contents insurance?
Contents only insurance isn’t a legal requirement. However, it can provide peace of mind that your belongings are protected financially. If any of your possessions are stolen, damaged or lost without cover in place, you’ll have to pay out of pocket to replace them, which can be costly.
“In addition to our general home contents of £50,000, we have audio equipment of £15,000 and jewellery valued at £14,000 in our home. Because of the higher risk of burglary these items present, getting good value home insurance for high-value contents can be difficult to find. But thanks to Adrian Flux, we have the home insurance cover we need for our audio equipment and jewellery at an affordable price.” Mrs M, NG14
Why choose Adrian Flux for contents cover?
With 50 years of experience in arranging the most suitable insurance to suit your specific needs, we’re often able to offer cover when others cannot. Our insurance for your home contents can include the following:
- “Old for new” replacement cover as standard
- Separate cover available for high-value items
- Cover for items you plan on taking outside the house
- An option for accidental damage cover
- Claims hotline with counselling support
- Discounts for alarms and security locks
- Discounts if you combine contents and building insurance
- Easy payment by credit card or direct debit
Over 82.4% of customers who got an online quote could have saved money if they’d called us instead.
What does home contents insurance cover?
Contents insurance policies cover all the items in your home that you would take with you in a move, plus your carpets. An easy way of understanding what needs to be covered is, imagine turning your house upside down and shaking it. All the items in your property (and your carpets) that fall when you do this can be covered on a contents insurance policy. This includes:
- Clothing
- Electrical items
- Furniture
- Jewellery
- Antiques and family heirlooms
- Non-permanent fixtures
- Collections
- Carpets
Extra Benefits
Travel Insurance
Flexible Travel Insurance
Whether you’re lounging on the beach or hitting the slopes, having the right travel insurance can mean the difference between the holiday of a lifetime and a financial headache.
Providing up to £5,000 if your trip is cancelled or cut short, up to £15million medical expenses, £250 money and document cover, £2,000 baggage cover, and £2million personal liability insurance, you’ll be fully covered, no matter what happens.
Click find out more to get more information, or speak to a member of our team today to get your quote.
Gadget Insurance
Gadget Insurance
Is there anything more annoying than your mobile phone breaking, or your laptop deciding not to turn on?
Gadgets have virtually become an extra limb in the 21st century, so why wouldn’t you protect your mobile phone, laptop, games console or tablet in the same way you would protect your home or car?
For as little as per year, you can have peace of mind that your gadgets are insured, should they be damaged, suffer a mechanical failure or stolen, wherever you are in the world and are covered up to £1,500 per claim without affecting your home insurance no claims bonus. Whatsmore there are no limits on the amount of gadgets on your policy.
Adrian Flux specialists have access to a national network of companies so you can be confident of getting a fast and efficient service, should the worst happen to your gadgets.
Home Emergency Cover
Home Emergency Cover
From leaking pipes to blocked drains, electrical failures to boiler breakdowns, if emergency strikes, having the right insurance can save you time, headaches, and money.
With home emergency insurance from Adrian Flux, you can get your home covered for a wide variety of issues, with tailored cover and flexible payment options, keeping you safe year-round without breaking the bank.
To find out more about our home emergency cover, and all of our home insurance policies, speak to a member of our team today.
Home Keycare
Home Keycare
For just a year, we can cover the costs involved with getting back inside your house, whether your keys have been stolen, locked inside your home or vehicle, or lost for 48 hours. We provide you with a fob and can cover all the keys attached to it, including those for your home, car and office.
Our keycare insurance covers the cost of replacing your keys, changing the locks, and hiring a locksmith up to a value of £1,500 per fob per year.
Better yet, there’s no excess to pay; all you have to pay is the annual charge of .
For more information and to add keycare to your policy, speak to a member of our team today.
Home Legal Protection
Home Legal Protection Insurance
There are 50,000 reasons why home legal protection cover, or family legal protection, is a smart idea.
Home legal protection cover provides peace of mind against the threat of being sued and, in the event that you have to pursue a civil claim, it will provide cover for your legal expenses, up to a certain amount.
Home legal protection provides up to £50,000 indemnity for you and the people that matter to you: the family you live with, your spouse or partner, your parents or parents-in-law, and your children under the age of 21.
There are four main areas of cover: Personal Injury, Your Home, Services & Personal Property and Employment.
Get a Home Contents Insurance Quote
How much is home contents insurance?
The cost of your home contents insurance depends on a range of factors, from the value of your belongings to the risks associated with your property. For instance, if you live in a high flood-risk area, you might find that your premiums are more expensive than what you would pay for cover in a low flood-risk area.
That being said, contents insurance is relatively inexpensive, and is often a small price to pay compared to the costs of replacing your belongings.
Get a Home Contents Insurance Quote
FAQs
What do I need to get a quote?
In order to get a quote, it’s a good idea to have the following information to hand:
- Previous valuations of your possessions or an estimate for how much your belongings are worth
- Any items with a value over £1,000 that you want to cover and the level of cover you need for these items
- Any items you’ll be taking outside of the house
- Security information about your property, including any fitted locks or alarms
- Any additional cover you need, such as home emergency cover
Does content insurance cover mobile phones?
Most content insurance policies cover your mobile phone against damage, loss or theft when it’s in your home, but not all policies include cover when you take your mobile phone out of the house. We offer gadget insurance, which covers your mobile phone and other electronics outside of the home too.
If you’re taking out contents insurance with us and your phone is worth over £1,500, let us know as we’ll need to add the item to your policy individually.
Is contents insurance worth it?
If you don’t have contents insurance in place and something happens to your belongings, you’ll have to pay out of pocket to replace them. This can quickly get expensive, especially if you lose a lot of your possessions as a result of a fire or flood in your property.
Contents insurance is usually very reasonably priced and tends to cost a fraction of what you’d need to pay to replace all the items in your home.
Do I need home contents insurance as a landlord?
If you’ve furnished the property you’re renting out, it’s a good idea to take out contents insurance for landlords. This helps ensure that, even if your belongings are damaged or lost, you can replace them without bearing the financial burden yourself.
Do I need contents insurance as a tenant?
Even if you’re a tenant, it can be useful to take out contents insurance as this covers your personal possessions. Even if you’re renting a furnished property, you might be surprised at how much your belongings are worth. This includes clothes, jewellery, electrical items, and more. If you’re unsure whether to take out contents cover, it’s a good idea to go through your flat or house and calculate how much it would cost to replace all your items.
How soon can you claim on contents insurance?
Cover becomes active from your policy’s start date for any incidents that occur on or after this date. Most policies do not cover pre-existing claims.
Does contents insurance cover leaks?
Yes, our contents insurance covers leaks – as long as they haven’t been caused by the property not being maintained.
Does contents insurance cover boilers?
Your boiler is usually covered by your buildings insurance rather than your contents insurance. It’s a good idea to check your policy if you’re unsure whether your boiler is covered.
Do you offer buildings and contents insurance?
Yes, we offer home insurance, which includes both buildings and contents insurance. Getting cover for both is generally more affordable than if you were to take out two separate policies.
How do I know how much my belongings are worth?
Make a list of all your possessions, plus their value to replace on a new basis. ABI suggests that households have an average contents worth of £35,000, so make sure you do this thoroughly!
Do I need content insurance when renting?
If you want to receive compensation should your possessions get lost, stolen or damaged, then yes. We also offer tenants content insurance.
Which items are covered by home contents insurance?
Typically, contents insurance will cover your possessions within your home, including most furniture and non-permanent fixtures, as well as carpets. Certain items may also be covered away from the home, such as your mobile phone, jewellery, and laptop.
What is “new for old” contents cover?
“New for old” contents cover is where insurers replace damaged goods with a new version of the item.
This can be upgraded to include goods damaged accidentally too.
What is “accidental damage” cover?
While standard contents cover protects against loss or damaged caused by a range of events (as above), some policies also include cover for items accidentally damaged by you or other members of your household.
This is usually an optional upgrade, though a lot of standard policies already offer this cover as standard on TVs, stereos and desktop computers. If you’re not sure your policy provides this type of cover, it’s always best to check the policy’s wording.
Are the items I’ve included in my contents cover automatically protected if I take them outside the home?
You’ll need to check your policy. Assuming it does offer protection, make sure you’ve got the right level of cover for any items you commonly take out of the house. The level of cover can usually be upgraded if required.
What is “all risks” cover?
Also known as “personal possessions cover”, this protects items that you take outside the house. This usually includes any gadgets, jewellery or clothing you take out – i.e. any possessions that you would reasonably take outside. The cover protects you in the event of loss or theft.
What is “specified items” cover?
This is where you get insurance cover for specific items so you can take them outside the house, such as expensive equipment or clothing. Whilst this can add up to a significant portion of the total premium, if you frequently take certain high-value items out of the house, this might offer you a better level of protection.
What’s better: “unspecified all risks” or “specified items” cover?
While “all risk” cover is usually a cheaper way of protecting items away from your home, it might not cover all the items that you would want.
“Specified items” cover allows you more flexibility in that you’re able to choose which items you want to insure outside the home.
This might come in handy if you own expensive equipment, such as bicycles, photography equipment, or musical instruments, that you frequently take outside.
In that case, is it better to insure items that need individual cover on a separate policy?
In general, no. If certain items do need to be covered individually, it’s almost always more affordable to add it as an extra on your contents cover rather than taking out a separate policy.
If you have a large number of high-value items, there are a wide range of policies on offer that can be tailored to your needs through our Flux Private Clients team.