Can I get cheaper insurance if I make my home more secure?

If you become less of a risk, you increase your chances of getting cheaper contents insurance. One way to do this is to make sure your home is secure, whether that's by upgrading the lock on the main door to your home, or fitting a lock to your 'self-contained' room, or both. Without an approved lock, it's difficult to find a policy giving you theft cover. So know your locks . Keep all your contents in your locked room. Anything left in a communal area is unlikely to be insured against theft. Remember, cover for theft only applies when there's violent and/or forced entry.

Will my old goods be replaced with new ones if I have to claim?

There are two main types of cover when it comes to replacing your goods. New-for-old entitles you to brand new stuff (or cash to the same value) if your insurer agrees to replace your damaged or stolen goods. Other policies will cover you for the value of the goods at the time of the loss – these are usually known as indemnity policies. An indemnity policy may be cheaper, but you only get a minor payout if you need to claim. So new-for-old is the best way to go. When you calculate the cost of your contents, value your items as if they're new.

Do I have to pay an excess if I make a claim?

Each policy normally comes with a compulsory excess, plus a voluntary excess if you've selected one. A compulsory excess does what it says on the tin. If you make a claim, it's the amount you pay towards the cost. If your TV was stolen and you made a claim for £500, and had a compulsory excess of £50 – a typical sum – you'd get £450. If you have a £50 voluntary excess and a £50 compulsory excess, you'd only get £400 for the same claim. The provider will tell you how much the compulsory excess is when you buy the policy. The voluntary excess (if any) is entirely up to you. A higher voluntary excess will lower the cost of your annual or monthly premium, as the insurer pays less if you have to make a claim. But think carefully: if you can't afford to cover a large chunk of the cost if you need to claim, opt for a lower voluntary excess.

I'm going away on holiday, am I still covered?

Almost all insurers restrict the number of days you can leave your home unoccupied for while still covering you – usually 30 days. Leaving it empty for long periods makes it more at risk of burglary. In addition, if there's a leak into your flat or home and you're not there for months to be able to get it sorted, then more of your stuff is likely to be damaged and the claim amount a lot higher.

I'm a leasehold homeowner, not a tenant. Do I need to take out buildings and contents insurance?

Many flat-buyers (and, increasingly, those purchasing new-build properties) find they are a leaseholder, rather than a freeholder . This means as leaseholders they only have the right to live in the property – they don't actually own the building or the land it's built on. That belongs to a separate landlord or property management company. In this case, it's almost always a landlord's responsibility to insure the building – its structure, cost of rebuild and so on, in the event of a disaster – but NOT your contents (do check, though). If you're a leaseholder, don't fall into the trap of thinking your landlord covers your contents insurance as well; you WILL need to buy your own policy.

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Cheap contents insurance

How best to compare contents insurance for tenants and renters

Tony Forchione | Edited by Helen Saxon

Updated 25 November 2024

Almost half of renters DON'T have contents insurance. Yet if there was a burglary, flood or fire in your home, your landlord's insurance usually only covers damage to the building itself, not to your stuff – meaning you'd have to shell out for replacements. This guide helps you find the right policy to suit you – at the cheapest price.

Do you own your home?

See Cheap home insurance for combined buildings and contents cover.

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What is contents insurance?

Home contents insurance covers your belongings, whether you're renting or whether you own your home. It can be hard to know what's covered, but home contents insurance generally covers the items that would fall down if you turned your home upside down (for example clothing, furniture, crockery and appliances). It can also cover the items you'd usually take with you when you're out of the home.

Note that it's different from home buildings insurance which protects the structure of your home and permanent fixtures and fittings, such as doors and other items attached to your home, and sanitary equipment (baths, basins, toilets and showers). It's your landlord's responsibility to buy buildings insurance.

What does contents insurance cover?

The contents part of your insurance protects you if any items in your home (or outbuilding, eg, shed or garage) are damaged or stolen. Most decent contents insurance policies cover:

Damage to your contents caused by storms, flooding, earthquakes, fire, lightning, explosions, theft, riots and vandalism.
The cost of spoiled food if your freezer breaks down.
The replacement of cash stolen from your home.
Legal liability protection if a visitor to your home is injured and it's deemed to be your fault.

There are limits on how much you can claim for per item, and in total, so if you're concerned about any expensive jewellery or you have cash hidden in your mattress, check your policy documents carefully to check the limits and if there are any optional extras you need to add on.

What ISN'T covered by contents insurance?

There are a decent number of situations you may expect to be covered by contents insurance, which aren't. The main exclusions are:

Damage due to wear and tear.
If your home is unoccupied for more than 30 consecutive days (see unoccupied while away for more).
Accidental damage (see here).
Some burglaries, for example, if there's no sign of forced entry, insurers may turn down a claim.
The structure of your home and permanent fixtures and fittings (this would need to be covered by separate buildings insurance).
High-value items (for example bicycles, jewellery, gadgets) – there may be a limit to the sum insured, so you may need to pay extra to insure these separately (for example bicycle cover).
Items you take out of the home – you may need to pay extra to cover these.
Home emergency cover (your landlord will generally be responsible).
Home-based businesses – 'office' work is often covered, but if you have visitors or bring stock home, you'll need separate cover.
Acts of terrorism.

Eight contents insurance need-to-knows

Here are our top tips to help you get a policy that's right for you.

1. If you, your partner or family rent the entire home, simply buy standard contents insurance

Let's be clear: tenants' contents insurance is NOT a specialist policy that's different from the one you take out if you're a homeowner (though homeowners usually combine their buildings and contents policies).

So if you're a family renting out an entire house or flat – and with property prices so high, millions of families have no choice other than to rent – it's generally a straightforward process to pick a contents-only policy. Just follow our steps below.
2. If in a shared home, you may need to club together with housemates to get cover, or get a lock on your door if you're going solo
If you're in a flat-share, there are two categories you could fall under when trying to arrange insurance:

You and your flatmates want to insure the whole flat (or house), or

You just want to insure your room within a flat/house

Not all insurers are happy to insure you if you're renting just a room in a house-share or flat-share, or if you're a non-family group on a joint policy when insuring a whole house, so you could find the number of insurers offering a quote is quite low.

This is because sharing a rented home with non-family members usually increases the risk of damage, theft or items going missing simply because the number of different people coming into your home is usually higher. As there's more risk, the cost of insurance is higher.

If you're opting for a policy covering the whole flat-share, keep in mind:

If you rent a room in a house with a group of friends, or with people you don't know, becoming a named person on a joint insurance policy can bring unwanted consequences because of so-called 'association'.

In other words, if one of your housemates makes a claim, it will affect everyone else's premium at renewal. Plus, if you move out of the property, you'll likely have to declare any claim made on the previous joint policy for the next five years.

If you're opting for room-only insurance, there are two key points to remember:

To be covered against theft, you need a lock on the door to your room, and to ensure the room is locked when you're not in the property. And even here, you'd only have cover if there was sign of forced entry to your room.

If your belongings are in the communal areas, again, do not expect these to be covered unless there is forced entry into the home.
3. Don't underestimate what your contents are worth, otherwise your claim may not be paid in full

Add up everything you own, including smaller items such as clothes and larger items such as household appliances, all on a 'new-for-old' basis, to get the amount you want to insure. (See our FAQ on new for old for more.)

For contents insurance, underinsuring could lead to you getting less than the value of your items when you claim. An example may help here...

You told the insurer your possessions were worth £10,000 when you actually have £20,000, thinking you'd never need to claim for them all in one go.

You then need to put in a claim for £5,000 of stuff after a burglary – the insurer may only pay out £2,500 if its claims handler deems you've underinsured your total contents amount.
4. Students – check if you're already covered on your parents' contents policy

If you're a student and your parents have home insurance, you may automatically be covered against theft or loss under your parents' policy under its 'temporarily removed from the home' section.

The cover only applies while your goods are in your accommodation and as long as your parents' home is your main permanent address. Many policies allow this, so it's worth checking.

And if you need cover for any mobiles or laptops, or items you normally wear or carry away from your home, your parents could – if they haven't already – also add the 'all risks' or 'unspecified personal possessions' section to their policy. This specifically covers your stuff while it's out of your rented home.

If your parents don't have cover, or it doesn't cover you, then check out our student contents insurance info.
5. Contents insurance doesn't usually cover accidental damage, or belongings outside the home – but it can be worth paying extra for this cover

Contents insurance policies will usually give a certain level of accidental damage cover. Electrical goods may be insured for instance, but if you spill red wine on your rug, it's unlikely to be covered as standard.

Many insurers offer a higher level of cover for an additional cost. If you're particularly clumsy, you should give it some thought. Read your terms and conditions carefully to see what you are and aren't covered for as standard and the total sum insured.

In addition, most policies don't protect contents outside the home as standard. However, you can extend your cover to protect your belongings away from the home by buying what's called an 'all risks' or 'personal possessions' add-on to your contents policy.

It'll cost a bit more but you can usually get insurance for items such as your handbag, smartphone or bike both outside the home and overseas. As a rule of thumb, if it's designed to be taken out of the home, it'll fall under this extension.

As always, check your policy carefully. There may be limits to the cover and the items might have to be specifically mentioned in your policy documents. In many cases, such as for valuable bikes worth £1,000 or more, you might be better off taking out a specialist bicycle insurance policy. Equally, if you carry a lot of valuable gadgets, such as a television, headphones and smartwatch, then gadget insurance could be worth considering.
6. Own high-value items, for example, a bike or gaming PC? Tell your insurer about them before taking out cover

Insurance companies will ask you for an estimated value of all your contents but individual pricey items, usually ranging from £1,000 to £2,000, have to be separately listed to be covered on many policies.

Even for goods valued under £1,000, some of them may not be covered, especially if they are mobile phones, tablets or even bicycles. A number of providers insist these items be specifically named on the policy, regardless of their value.

After you buy something expensive, always check your policy carefully to ensure it's covered – if you're not at renewal, you'll need to call your insurer and tell it (and it may charge you extra to add the new items).

Always keep hold of – and safeguard – receipts for valuable items such as jewellery, specialist cameras and high-spec TVs. Insurers will usually want to see proof of purchase before paying out: a receipt, photograph, valuation certificate (for jewellery or antiques), or even a bank statement will suffice. This is also the case if adding such items to an 'all risks' or 'personal possessions' add-on to your contents policy.
7. Working from home? You only need to tell your insurer if you've brought stock home or have business visitors

You generally don't need to let your insurer know that you're working from home. This is the case if you're doing clerical work – usually defined as working on a laptop and making phone calls.

However, if you have a home-based business, any visitors to your home, or stock stored there, won't be covered. If these scenarios apply to you, call and tell your insurer as you may need to pay a premium to have the visitors/stock covered, or you may need to get a separate business insurance policy.
8. Beware paying for insurance monthly – you're really getting a costly loan

Pay-monthly options are essentially high-interest loans.

It's best to pay the full cost of the policy in one go when you take it out. Yet we know many can't afford this. If that's the case with you, see if you can get a 0% credit card for spending.

Use it to pay for the insurance, then ensure your monthly repayments are large enough to clear it within a year, before you take out your next annual policy.

Ideally, try to save up (as well as clearing the debt on the card) so you're then able to pay for your insurance in one go when you're due to renew it.

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How to get the cheapest contents insurance quote

Here, getting the cheapest cover all depends on who you live with – for example, someone living with their family and someone sharing with flatmates or housemates they don't know will need to go down different routes. Select the tab closest to your situation...

Step 1: Use price comparison sites

Simple – as you're sharing the entire home with your spouse, partner or immediate family, a comparison site is the best way to start getting your content insurance quotes. This is a quick and easy way to search for a policy that'll give you a decent benchmark for prices.

It's best to use all three of these sites, but if you don't have time, we've ranked them in order of those that most often return the cheapest quotes (see how we pick our order) so you've the best chance of bagging the top deal.

Try comparison sites in this order

Site	Official perk info & MSE's analysis
Try as many as you can, in this order...
Compare The Market*	Official perk info: Meerkat Movies and Meals. A year's 2for1s on cinema tickets and meals on Tue/Wed nights. MSE perk analysis: For those who'd use it and go to the flicks and restaurants, this perk can be worth £100s. However, you can just use our trick to get Meerkat Movies and Meals for £1 for a year, meaning you may want to consider other sites' perks instead. See our full Compare The Market perk analysis.
TABLE_CELL_STYLE MoneySupermarket*	Official perk info: SuperSaveClub and price promise SuperSaveClub: Buy annual home insurance and you can join this club, which gives you a 12-month 'Free Days Out' pass. Plus, you'll get a gift card of up to £15 for each subsequent qualifying product purchase you make through MoneySupermarket. Price promise: If you buy home insurance, then find a cheaper like-for-like policy with the same insurer (either direct or via another comparison site), MoneySupermarket refunds the difference plus a £20 gift card. MSE perk analysis: The Free Days Out pass gives you one adult entry to places across the UK, so used regularly it could be worth £100s. The £15 gift card on subsequent qualifying products is a bonus, as long as the quote's competitive. You can use the price promise even if you’re not a member of the SuperSaveClub, though you'll have to claim it. See our full MoneySupermarket perk analysis.
Confused.com*	Official perk info: A Greggs hot drink each month and the choice of a... £20 Halfords voucher \| £20 Sainsbury's voucher \| £20 Just Eat voucher \| Access to Paramount+ for three months. MSE perk analysis: The highest value is Paramount+, just, at £20.97. Add 12 hot drinks, and the value increases to about £40. See our full Confused perk analysis.
Then, to boost chances of finding a cheap quote further, try...
Gocompare – currently gives £250 'free' excess cover with every purchase.
Quotezone* – another comparison site, it gives access to Rewards+ within 60 days of a policy purchase, which it says offers savings at up to 1,000 retailers.
Direct Line – you won't find this insurer on any comparison sites, so it's worth a try.

Step 2: Check deals not on comparison sites

Here we list special deals you won't find on comparison sites. We're not saying they win every time, but they're worth checking. Factor in the voucher as a discount, and see if that price beats your best comparison site quote.

Insurer	Deal information
Urban Jungle*	Get a £15 Amazon voucher when you use the code MSE_OFFER. Urban Jungle home insurance newbies and returning customers who buy a contents-only, buildings-only or combined policy via this Urban Jungle link*, and use the code MSE_OFFER, will be emailed the voucher 30 days after the policy has been in place for six months.

Important: Don't let the vouchers/cashback/gifts sway you – always make sure the policy meets your needs, and get alternative quotes to compare.

Step 3: Struggling to get cheap cover? Go to a broker

If you're having trouble getting cover, seeing a broker will be your next port of call. An insurance broker is an expert on insurance, who knows the market and can give you advice on getting the right cover for your needs.

Some people, including those with a chequered financial past – such as bankruptcy or county court judgments – can find it difficult to find cheap insurance cover as they are considered too high a risk.

Those in areas prone to flooding or subsidence, or those whose homes are left unoccupied for long periods, may struggle too.

In these situations, you can search on the British Insurance Brokers' Association website (or phone 0370 950 1790) for help with your individual circumstances. It will list brokers in your area who may be able to help.

It's also worth trying Home Protect* and Intelligent Insurance*. These specialist providers work with a number of insurance companies that can help to arrange cover for those who have trouble getting it.

Step 4: Check the policy carefully before buying

Always double-check the policy terms. Once you've found the cheapest quote to suit you and your wallet from the comparison sites or by going direct, make two important checks:

Double-check the quote. Click through to the insurance provider's own website to double-check the policy is suitable. Some comparison sites make a few assumptions (which might not be right for you) to speed up searches.
Examine the policy's cover to try to shave some off the price. While checking whether it's suitable, it's worth playing with the policy details to see if you can drop the price further. For example, look at the excess, and see if any affordable adjustment here can trim the cost.

Step 5: See if you can get cashback on your cheapest quote

If you use cashback sites, you'll know that they get a 'lead fee' for sending you on to an insurer. Once they get paid a fee by the insurer, they then share this with you.

This can beat going to the comparison sites above, but do check your quote isn't more than going to a comparison site. Plus, it's best to think of cashback as a bonus, rather than guaranteed, as sometimes it doesn't track or isn't paid out. There are two routes to try...

Route a) Use cashback site comparisons. There's a version of Confused.com's comparison on cashback site Topcashback* and a MoneySupermarket version on Quidco*, where you'll get £35 and £34 respectively if you buy a policy through them (you DON'T get the standard Confused or MoneySupermarket perks, as these are rebranded versions of the comparisons). However, do keep an eye on the quotes you get as you may not get exactly the same prices as from the comparisons.

The easiest way to do it is to look at the quotes you get, then take off £35 from Topcashback's cheapest, and £34 from Quidco's, and see which works out cheapest for you.
Route b) Find your cheapest insurer then go via cashback site. Once you know your cheapest insurer, try checking what cashback you'll get by going through Quidco* and Topcashback*.

Yet here be extra careful not to let the cashback-tail wag the dog. Choose the right insurer first, then look for cashback. Don't look for the biggest cashback then choose the insurer.

Again, make sure you check the prices you're getting are the same as the prices you found from the comparisons you'd already done. If it's more expensive, see if the cashback offsets the rise. If not, go with the quotes you got above.

Our Top cashback sites guide has full information on how these sites work.

Step 1: Use price comparison sites

Comparison sites zip your details to insurers' and brokers' websites, finding the cheapest. So be aware that they often feed your personal details to insurers.

We've analysed the comparison sites to find out which is likely to give the cheapest quotes for room-only cover (see how we pick our order). They don't all compare the same sites, so combine them...

Before you start... All the comparison sites should ask you questions about who you live with, meaning the quotes you get back should be for policies that will cover you. However, before you purchase, check the T&Cs for any specifics, for example, whether you'd only be covered if you've got a lock on the door to your room.

Try comparison sites in this order

Site	Official perk info & MSE's analysis
Try as many as you can, in this order...
Compare The Market*	Official perk info: Meerkat Movies and Meals. A year's 2for1s on cinema tickets and meals on Tue/Wed nights. MSE perk analysis: For those who'd use it and go to the flicks and restaurants, this perk can be worth £100s. However, you can just use our trick to get Meerkat Movies and Meals for £1 for a year, meaning you may want to consider other sites' perks instead. See our full Compare The Market perk analysis.
TABLE_CELL_STYLE MoneySupermarket*	Official perk info: SuperSaveClub and price promise SuperSaveClub: Buy annual home insurance and you can join this club, which gives you a 12-month 'Free Days Out' pass. Plus, you'll get a gift card of up to £15 for each subsequent qualifying product purchase you make through MoneySupermarket. Price promise: If you buy home insurance, then find a cheaper like-for-like policy with the same insurer (either direct or via another comparison site), MoneySupermarket refunds the difference plus a £20 gift card. MSE perk analysis: The Free Days Out pass gives you one adult entry to places across the UK, so used regularly it could be worth £100s. The £15 gift card on subsequent qualifying products is a bonus, as long as the quote's competitive. You can use the price promise even if you’re not a member of the SuperSaveClub, though you'll have to claim it. See our full MoneySupermarket perk analysis.
Confused.com*	Official perk info: A Greggs hot drink each month and the choice of a... £20 Halfords voucher \| £20 Sainsbury's voucher \| £20 Just Eat voucher \| Access to Paramount+ for three months. MSE perk analysis: The highest value is Paramount+, just, at £20.97. Add 12 hot drinks, and the value increases to about £40. See our full Confused perk analysis.
Then, to boost chances of finding a cheap quote further, try...
Gocompare – currently gives £250 'free' excess cover with every purchase.
Quotezone* – another comparison site, it gives access to Rewards+ within 60 days of a policy purchase, which it says offers savings at up to 1,000 retailers.
Direct Line – you won't find this insurer on any comparison sites, so it's worth a try.

Step 2: Check deals not on comparison sites

Insurer	Deal information
Coverbaloo*	Get a £25 Amazon voucher. New and returning customers who buy a contents-only, buildings-only or combined policy via our Coverbaloo link* will receive a £25 Amazon voucher. Existing policyholders who bought their original policy via our link can also get the voucher if they renew during the promo period. Voucher will be emailed around 90 days after the policy start date.
Urban Jungle*	Get a £15 Amazon voucher when you use the code MSE_OFFER. Urban Jungle home insurance newbies and returning customers who buy a contents-only, buildings-only or combined policy via this Urban Jungle link*, and use the code MSE_OFFER, will be emailed the voucher 30 days after the policy has been in place for six months.

Important: Don't let the vouchers/cashback/gifts sway you – always make sure the policy meets your needs, and get alternative quotes to compare.

Step 3: Struggling to get cheap cover? Go to a broker

Those in areas prone to flooding or subsidence, or those whose homes are left unoccupied for long periods, may struggle too.

Step 4: Check the policy carefully before buying

Always double-check the policy terms. Once you've found the cheapest quote to suit you and your wallet from the comparison sites or by going direct, make two important checks:

Double-check the quote. Click through to the insurance provider's own website to double-check the policy is suitable. Some comparison sites make a few assumptions (which might not be right for you) to speed up searches.
Examine the policy's cover to try to shave some off the price. While checking whether it's suitable, it's worth playing with the policy details to see if you can drop the price further. For example, look at the excess, and see if any affordable adjustment here can trim the cost.

Step 5: See if you can get cashback on top of the cheapest quote

Once you know which your cheapest provider is, check you're not missing out on any cashback deals.

Note that there is no guarantee the quote will be the same going through a cashback site as it is going through a comparison site, so make sure you check the cost carefully. And it's important to be aware the cashback comes from the cashback site, not the insurer.

Here are three important things you need to know before getting cashback...

Never count the cash as yours until it's in your bank account. Cashback is never 100% guaranteed. There can be issues with tracking and allocating the payment. Many cashback sites are small firms with limited backing, and you've no protection if anything happens to them.
Withdraw the cashback as soon as you're allowed. Money held in your cashback site account has no protection at all if that company goes bust. Always withdraw it as soon as you're able to.
Clear your cookies or the cashback may not track. While it shouldn't be a problem, if you've used comparison sites before, there's a minor risk that the cashback may not track due to cookies on your computer – so it's good practice to clear those first (read about cookies).

If you're new to cashback sites, make sure you read our Top cashback sites guide for pros and cons before using them.

Step 1: Go to a broker

If you want to get a joint policy with a number of names on it, your best option is an insurance broker. These insurance experts know the market and can give you advice on getting the right cover for your needs.

The British Insurance Brokers' Association website (or phone 0370 950 1790) lists brokers in your area who may be able to help.

It's also worth trying Home Protect* and Intelligent Insurance*. They are specialist providers working with a number of insurance companies that can help to arrange cover for those who have trouble getting it.

Step 2: Check the policy carefully before buying

Always double-check the policy terms. Once you've found the cheapest quote to suit you and your wallet, make two important checks:

Double-check the quote. Click through to the insurance provider's own website to double-check the policy is suitable. Some comparison sites make a few assumptions (which might not be right for you) to speed up searches.
Examine the policy's cover to try to shave some off the price. While checking whether it's suitable, it's worth playing with the policy details to see if you can drop the price further. For example, look at the excess, and see if any affordable adjustment here can trim the cost.

The choice in this situation is to get added to your landlord's policy or to have your own policy.

If you choose to go it alone and have your own room-only policy, head to I need room-only cover in a home-share. Remember, your contents won't be covered in communal areas unless there is forced entry into the home.

IMPORTANT. If it's cheaper (or a lot less hassle) to opt to be added to your landlord's policy, there are a few things to be aware of:

The landlord would need to make the claim – do you trust them to do so if it's just your stuff stolen/damaged (as it would affect their no-claims bonus)?
Would they give you the resulting cash from a claim?
Does the landlord plan to excessively up your rent to cover the insurance?

Even if you have a trusting relationship with your landlord, it's worth knowing not all insurers will put lodgers on an existing policy. It's down to an archaic bit of industry law, but it can mean this won't be an option for you. Ask your landlord to check with their insurer.

How to make a contents insurance claim

Claiming on your insurance should be straightforward, and needn't be daunting. If you've read and understand the terms and excesses on your policy, you shouldn't be in for any nasty shocks. But in the event you need to claim, take the following steps...

If it's a theft, notify the police. If something's stolen from the property, you'll need to get a crime reference number to make a claim. Report the incident to the police as soon as you can to make sure your claim doesn't hit the skids.
If you've emergency damage, act quickly to sort it.
1) To report a possible gas leak, contact the National Grid on 0800 111 999.
2) If you've electrical problems, call your local electricity distributor, NOT your energy company (see a list of emergency contact numbers).
3) Report any sewage hazards to your council.
4) When it comes to making repairs, speak to the landlord first, and don't do anything unsafe yourself. The Association of British Insurers says your insurer should have a 24-hour claims line, if you need to contact it.

And then submit your claim – as soon as possible. Contact your insurer as soon as you can to avoid any administrative hold-ups; if it's a complex claim, it may take a while to be processed, so the sooner you start, the better.

You'll usually have to pay an 'excess', a contribution towards the cost of the claim. You'll also need to give details of any loss or damage, plus any evidence of that, such as photographs.

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How to complain about your insurance provider

The insurance industry generally doesn't have the best customer-service reputation and while a provider may be good for some, it can be hell for others.

Common problems include claims not being paid out on time or at all, unfair charges, or exclusions being hidden in small print. It's always worth trying to call your provider first, but, if not, then…

You can use free complaints tool Resolver. The tool helps you manage your complaint, and if the company doesn't play ball, it also helps you escalate your complaint to the free Financial Ombudsman Service.

Tenants' contents insurance FAQs

Can I get cheaper insurance if I make my home more secure?

If you become less of a risk, you increase your chances of getting cheaper contents insurance.

One way to do this is to make sure your home is secure, whether that's by upgrading the lock on the main door to your home, or fitting a lock to your 'self-contained' room, or both.

Without an approved lock, it's difficult to find a policy giving you theft cover. So know your locks.

Keep all your contents in your locked room. Anything left in a communal area is unlikely to be insured against theft. Remember, cover for theft only applies when there's violent and/or forced entry.
Will my old goods be replaced with new ones if I have to claim?

There are two main types of cover when it comes to replacing your goods. New-for-old entitles you to brand new stuff (or cash to the same value) if your insurer agrees to replace your damaged or stolen goods.

Other policies will cover you for the value of the goods at the time of the loss – these are usually known as indemnity policies.

An indemnity policy may be cheaper, but you only get a minor payout if you need to claim. So new-for-old is the best way to go. When you calculate the cost of your contents, value your items as if they're new.
Do I have to pay an excess if I make a claim?

Each policy normally comes with a compulsory excess, plus a voluntary excess if you've selected one. A compulsory excess does what it says on the tin. If you make a claim, it's the amount you pay towards the cost. If your TV was stolen and you made a claim for £500, and had a compulsory excess of £50 – a typical sum – you'd get £450.

If you have a £50 voluntary excess and a £50 compulsory excess, you'd only get £400 for the same claim.

The provider will tell you how much the compulsory excess is when you buy the policy.

The voluntary excess (if any) is entirely up to you. A higher voluntary excess will lower the cost of your annual or monthly premium, as the insurer pays less if you have to make a claim. But think carefully: if you can't afford to cover a large chunk of the cost if you need to claim, opt for a lower voluntary excess.
I'm going away on holiday, am I still covered?

Almost all insurers restrict the number of days you can leave your home unoccupied for while still covering you – usually 30 days.

Leaving it empty for long periods makes it more at risk of burglary. In addition, if there's a leak into your flat or home and you're not there for months to be able to get it sorted, then more of your stuff is likely to be damaged and the claim amount a lot higher.
I'm a leasehold homeowner, not a tenant. Do I need to take out buildings and contents insurance?

Many flat-buyers (and, increasingly, those purchasing new-build properties) find they are a leaseholder, rather than a freeholder.

This means as leaseholders they only have the right to live in the property – they don't actually own the building or the land it's built on. That belongs to a separate landlord or property management company.

In this case, it's almost always a landlord's responsibility to insure the building – its structure, cost of rebuild and so on, in the event of a disaster – but NOT your contents (do check, though).

If you're a leaseholder, don't fall into the trap of thinking your landlord covers your contents insurance as well; you WILL need to buy your own policy.

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How to get cheap home insurance

Bicycle insurance

Mobile phone insurance

Cheap contents insurance

How best to compare contents insurance for tenants and renters

What is contents insurance?

What does contents insurance cover?

What ISN'T covered by contents insurance?

Eight contents insurance need-to-knows

1. If you, your partner or family rent the entire home, simply buy standard contents insurance

2. If in a shared home, you may need to club together with housemates to get cover, or get a lock on your door if you're going solo

3. Don't underestimate what your contents are worth, otherwise your claim may not be paid in full

4. Students – check if you're already covered on your parents' contents policy

5. Contents insurance doesn't usually cover accidental damage, or belongings outside the home – but it can be worth paying extra for this cover

6. Own high-value items, for example, a bike or gaming PC? Tell your insurer about them before taking out cover

7. Working from home? You only need to tell your insurer if you've brought stock home or have business visitors

8. Beware paying for insurance monthly – you're really getting a costly loan

How to get the cheapest contents insurance quote

Step 1: Use price comparison sites

Try comparison sites in this order

Step 2: Check deals not on comparison sites

Step 3: Struggling to get cheap cover? Go to a broker

Step 4: Check the policy carefully before buying

Step 5: See if you can get cashback on your cheapest quote

Step 1: Use price comparison sites

Try comparison sites in this order

Step 2: Check deals not on comparison sites

Step 3: Struggling to get cheap cover? Go to a broker

Step 4: Check the policy carefully before buying

Step 5: See if you can get cashback on top of the cheapest quote

Step 1: Go to a broker

Step 2: Check the policy carefully before buying

How to make a contents insurance claim

How to complain about your insurance provider

Tenants' contents insurance FAQs

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