Forget Everything You Know About Insurance

Lemonade is backed by some of the world’s largest reinsurers, and is publicly traded on the New York Stock Exchange. We have over 1,500,000 happy customers!

Contents Insurance Built For the 21st Century. 100% digital. No paperwork. Sign up in seconds.

Instant Everything

Maya, our charming artificial intelligence bot, will craft the perfect coverage for you. It couldn’t be easier, or faster.

Supercharge Your Contents Insurance. Power up your policy with these add-ons:

• Protection Away From Home - Cover your bike, phone, laptop, and more while you're out and about
• Accidental Damage to Mobile Devices - If you unintentionally drop your laptop or phone, you're covered
• Legal Assistance Cover - Get expert help and legal expenses cover for a wide range of legal issues

How Lemonade Works

Lemonade reverses the traditional insurance model. We treat the premiums you pay as if it's your money, not ours. With Lemonade, everything becomes simple and transparent. We take a flat fee, pay claims super fast, and give back what’s left to causes you care about.

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Getsafe is building the world’s most powerful insurance platform to make sure that everyone is properly protected, everywhere and anytime.

• 550,000+ customers: 75% are buying insurance for the first time
• EUR 120 M funds raised: family offices, Swiss Re, Earlybird, CommerzVentures, BtoV, GFC, Partech, Capnamic
• 1 OUT OF 3 customers has more than one policy with Getsafe
• 250+ employees: diverse team with 25+ nationalities; 43 % of employees are female
• 4 markets: Germany (since 2017), UK (since 2020), Austria (since 2022), and France (since 2023)
• 4,9 stars: best-rated insurance app

Getsafe became what it is today due to two coincidences: Christian Wiens, mechanical engineer and now CEO, broke his landlord’s glass door and realized how complicated insurance was. Meanwhile, Marius Simon, physicist and now CTO, started a Facebook group and invited similarly ambitious entrepreneurs to exchange ideas – Christian was the only one who showed up. 

Why did they want to change insurance? Because the more broken something is, the more there is to fix. In five to ten years, nothing in the insurance industry will ever be the same again, and Getsafe will be at the forefront of that new age.

GREAT PRICES AND NO HIDDEN FEES

Get excellent prices and rest assured you won't pay more than new customers or be hit with any hidden fees

CLICK HERE TO SEE WHAT'S COVERED WITH CONTENTS INSURANCE

Contents only insurance could be cheaper than you think.

What is contents insurance?

In a nutshell, contents insurance covers the cost of repairing or replacing the things in your home that you’d take with you when you move out. So, whether you’re renting or you own your home, you’ll want to make sure you have contents insurance. You can also add additional cover for high value items, cover away from your home (for things like your mobile or laptop) and bicycle cover.

How does contents insurance work?

Contents insurance covers things like gadgets, TVs, jewellery and clothing against flooding, fire or theft. You can set up a contents insurance policy alongside your home or buildings insurance, or on its own. Remember, contents insurance doesn’t cover your fixtures and fittings (this would come under buildings insurance), or any damage caused by gradual wear and tear. 

What's the difference between contents and buildings insurance?

Home insurance usually covers two aspects of your property – the structure itself (known as buildings insurance) and the things in it (known as contents insurance). Basically, contents insurance covers anything that would fall out if you tipped your house upside down. So, that's things like furniture, jewellery, tech... and all the clothes in between. When it comes to getting insurance for your contents, it’s best to have an idea of how much your stuff is worth before you start your quote. Need a hand? No worries, just head to our contents calculator to work out what’s what.

As for everything else (like structural walls, floors, roofing, fitted units and so on), they would all come under buildings cover.

Admiral has made it easy to get the right level of cover for your contents ‑ you just need to choose from three simple cover packages.

• Our great value Admiral package covers the essentials in your home up to £75,000.
• Our Gold package gives the same great value as Admiral cover but up to £100,000 with added extras.
• Our full-featured Platinum package is for people who demand extra security and peace of mind. Cover up to £150,000.

What's covered by contents insurance?

Contents insurance covers the items you'd take with you if you move:

• Furniture
• Clothes
• Electrical items

Accidental Damage

Accidental Damage protection is also available and covers you if you spill a drink on your sofa or drop your laptop.

Why choose our contents home insurance?

We offer 3 levels of contents cover to suit your needs. You'll also get access to a 24-hour claims helpline and the following benefits:

• Comprehensive contents cover: We'll cover your contents against fire and theft in the home. Mobile phones, laptops and bicycles are all included.
• Up to £25,000 alternative accommodation cover: You'll get up to £10,000 cover with our Essentials cover, up to £15,000 with Standard, and up to £25,000 if you choose Extra.
• Garages, sheds and outbuildings: We can cover you for theft from your outbuildings. You'll get up to £5,000 cover with our Standard cover. This goes up to £10,000 if you choose Extra. Sports equipment, like bicycles, is also included.
• Food in the fridge or freezer: You'll get up to £500 cover with our Essentials cover. This goes up to £1,000 if you choose Standard or Extra.

What's not included in our contents cover? 

• Damage as a result of normal use or ageing, maintenance of your home or routine decoration. This is sometimes known as wear and tear
• Theft from any garage or outbuilding over £10,000. This is the limit of our Extra cover

Full exclusions can be found in our policy wording.

MORE THAN was launched in June 2001 bringing freshness and a new approach to the consumer financial services market. At MORE THAN, things never stand still. It takes thousands of dedicated and talented employees around the UK to deliver the excellence of service and products our customers demand and expect.

Why choose AXA's house contents insurance?

We get that your belongings are more than just stuff. That’s why we’ve created home insurance products that really fit your needs – whatever they might be. We’ve built three contents insurance options to fit your stage of life. So you can rest easy knowing your contents are covered against the unexpected whether you chose AXA Premier Home Insurance, AXA Plus Home Insurance or AXA Home Insurance. And because our AXA Plus Home Insurance and AXA Home Insurance products are flexible, you can tailor these to suit your needs by adding extras, which are included as standard with our AXA Premier Home Insurance. Simple.

What’s covered with AXA contents insurance?

Whether you’re welcoming a new addition, moving into your first place, or watching the kids fly the nest, AXA covers your contents against the unexpected. Because we get that your needs will change at each stage of your life. So whether you’ve got a new nursery, or you want to protect your life-long valuables, we’ve got contents cover to suit your needs.

Get contents insurance to suit you, with AXA you can get:

• Brand new replacements if contents are damaged or stolen, and can’t be repaired
• Up to £1,000 emergency cash advance
• Maximum cover limit for your contents of £50,000 to £100,000, depending on the home insurance policy you choose
• Bicycle cover included as standard up to £350 per bicycle, up to £1,500 for total bicycles
• 24-hour emergency helpline for support day and night
• Option to cover your personal belongings when outside the home
• Option to cover high value items and bicycles when at and away from the home
• Option to also cover contents and buildings against accidental damage (subject to product selected, this may be included as standard)

Complete protection: Up to £50,000 for loss or damage to your belongings, and cover for your contents if you're temporarily away from the home.

Flexible policy: There’s no cost for changing your cover whenever you need to, but your premium may increase if you add extras.

24/7 support: Your UK-based home insurance claims team are available around the clock, whenever you need to make a contents claim.

Refund switching costs: Get a new policy with us before your current policy ends and we’ll refund any cancellation fees. T&Cs apply. Get a refundGet a refund This link will open in a new window.

What does our contents insurance cover?

Pay in regular instalments, with no additional charges if you'd like to pay monthly.

• Up to £50,000 for loss or damage to your belongings - You could receive up to £50,000 to cover the loss or damage to your belongings, or a specified amount.
• Replace items on a like-for-like basis - We'll replace any contents item you claim for on a like-for-like basis, or replace it with its nearest available equivalent.
• Cover for your contents while you're temporarily away from home - If you're away from home, you could still get cover for your contents including up to £5,000 for a member of your household who is away working or studying.

HSBC Home Insurance is rated 5 Star by Defaqto, the independent financial information business. This means our policy is one of the most comprehensive in the market.

RSA is one of the world’s longest-serving general insurance companies. Our products help you manage life’s risks and make things right when they go wrong.

We’ve been at the heart of the insurance industry for more than 300 years. Today, we serve in excess of 9 million customers around the world. You may know us through a broker, one of our insurance brands, or one of our UK retail partners, such as John Lewis, Nationwide or Tesco.

Our products are as diverse as our customers’ needs. From home and pet insurance, to commercial insurance for businesses big and small.

Since becoming part of Intact Financial Corporation in 2021, we’re determined to do even more to support our customers. We’re optimising our operations, investing in new technology and finding better ways to help protect the things you care about.

Tenants contents insurance

For social housing tenants and leaseholders. Protecting the contents of your home, garage and shed if your possessions are stolen, damaged, or destroyed in an incident like a fire or a flood.

Protect your home's contents from £15.65 a year

We want to make our contents insurance as affordable as possible.

• Contents cover starts from 45p a week, £1.47 a month, or £15.65 a year for £4,000 worth of contents cover
• You don't need to pay an excess on claims or fees for changing your details or cancelling your insurance

Lots of people are surprised by how much they actually own and its value. Collectively, our possessions can be worth a lot more than we think. And it’s important to make sure they’re protected should anything happen.

Protect the things that matter

Our possessions are part of our lifestyle. TVs, kids’ toys, gym equipment, computers, jewellery, artwork and more. Imagine the cost if you had to replace some or even all of it. That’s what our Contents Insurance is for. 

What does Contents Insurance cover?

It can be helpful to think of contents as everything that would fall out if you turned your house upside down. And Contents Insurance is there to protect all those things from fire, theft and flooding.

You can choose to add an extra level of cover when you buy your policy to protect against accidental damage, which is damage done by you or someone in your house by accident. An example might be spilling a glass of wine onto a carpet. Accidental Damage comes as standard with our Gold cover.

• Furniture
• Entertainment and electrical appliances
• Kitchenware and white goods
• Cash and credit cards
• Jewellery and artwork
• Clothes and unfixed rugs and carpets

It's the inside that matters

Our Contents Insurance offers protection for your belongings. It has what it takes to help look after the prized possessions in your home and garden but doesn’t cover the actual building itself. And with add-ons like accidental damage or bicycle cover, you can tweak your contents policy to suit you.

Unlimited sum insured: There’s no limit to the overall amount we’ll cover all your contents for [1]

Home office equipment: Get back to work again quickly, with up to £15,000 of cover for office furniture, computers, printers, and other equipment used for work.

Food in the freezer: Fill up your freezer again with up to £1,000 in your pocket to replace ruined food if it breaks down or is accidentally disconnected from the power.

Don’t forget, you can take out our Contents Insurance on its own, or together with our Buildings Insurance as a complete Home Insurance package.

How easy is it to get a contents insurance quote?

• You can get a quote for our Contents Insurance in four simple steps. We’ll ask:
• for your personal details, such as your name and address
• what type of cover you want, when you want it to start and about any previous claims
• if you want to include any optional add-ons
• about any high value or special items you have that are worth over £2,000