Home Contents Insurance by Intelligent Insurance
5-Star Defaqto rated cover

Home contents insurance

Contents insurance covers the cost of replacing belongings in your home if they’re damaged, destroyed or stolen.*

Home contents insurance

About Your Contents Insurance Cover

Contents insurance serves one purpose: to protect the belongings within your home – all those items that make your home feel like yours. This includes, but is not limited to, furniture, computers, jewellery, and clothing.

Consider this: In the unfortunate event of losing all your possessions in a fire or flood for example, it would be a costly exercise to replace them.

Unlike buildings insurance, your mortgage provider won’t have a mandatory requirement for you to have contents insurance, but it’s a good idea to ensure the important things in your home are protected.

To determine the right amount of cover you need for your contents, simply calculate the total value of belongings in each room in your home.

To guard against the risk of being underinsured, many policies offer blanket coverage.
At Intelligent Insurance, we provide up to £100,000 as standard coverage.

Contents insurance cover provides:

  • Up to £100,000 cover
  • New for old cover
  • Basic Home Emergency cover included free
  • Standard Family Legal Protection included
Summary of cover
Specialist home insurers

An Intelligent approach to insuring your home contents

Contents insurance from Intelligent Insurance provides cover for your belongings for events such as theft, malicious damage, storm, impact, subsidence, ground heave and landslip, fire, escape of water or oil.

We also provide cover for damage to food stored in a refrigerator or freezer, replacement locks and keys and occupiers and personal liability.

What we provide

Contents Cover up to £100,000
Peace of mind that you wont be underinsured
Alternative accomodation
Temporary accomodation in the event your home is uninhabitable
New for Old Cover
We will replace old items for new
Accidental loss of metered water or oil
When the loss occurs due to an insured event
Voluntary Excess
Choose the level of voluntary excess

What isn't included?

We don’t cover loss or damage
  • Caused by wear, tear or gradual deterioration
  • That occurred before the policy started
  • Caused by vermin, insects, pets
  • Caused by dishonest, wilful or deliberate acts
  • Arising from leaks from swimming pools, fixed hot tubs, jacuzzis, fixes spas
General exceptions
  • Business equipment unless requested
  • Any motor vehicle, craft or caravan
  • Animals
  • Growing trees, plants or shrubs

Contents Insurance Cover Levels

  • Buildings Insurance

    Cover for the main structure of your home if you need to repair or rebuild it

    Up to £1 million
  • Contents Insurance

    New for old cover for belongings kept in your home

    Up to £100,000
  • Alternative Accomodation

    Covers the costs for you and your family including pets to live elsewhere while your home is undergoing repair after an insured event

    Up to £50,000
  • Trace and Access

    Replacement and repair to any parts of the building that are removed when tracing escape of water

    Up to £5,000
  • Accidental Damage

    Cover for accidental breakages or damage to your buildings or contents eg putting your foot through the ceiling, or spilling paint on your carpet

    Optional
  • Personal Belongings

    Cover for items you take outside of the home with you, such as mobile phones

    Optional
  • Specified Items

    Cover for valuable items you specific separately on your policy

    Optional
  • Pedal Cycles

    Cover for our bicycle(s) when taken away from the home

    Optional

How to make a claim

Making a claim has never been easier – just follow these three simple steps and we’ll help guide you through the process.

Step One – Check Your Policy

Find your insurer’s claims contact details in your policy document or Schedule. Always have your policy number to hand, as it helps your insurer’s claims team quickly identify you and assist you without delay.

Step Two – Report the Incident

Call your insurer’s claims team as soon as the incident occurs. Provide a brief description of what happened and, if applicable, notify the Police within seven days for incidents like theft or malicious damage.

Step Three – Submit Your Claim

If required, complete and return the claim form along with supporting documents (receipts, photos, etc.) within 30 days. This ensures a smooth, timely processing of your claim.

*We may not be able to quote in all circumstances. Cover limits/restrictions and/or conditions may apply to the policy. These are clearly detailed prior to purchase, and in the policy documentation for you to determine if the cover is suitable for your needs.