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

Contents insurance

Contents insurance helps pay to replace the things you own if they’re stolen or damaged by insured events such as fire, flood or escape of water.*

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Frequently Asked Questions
a breakdown of home contents for valuation

Insuring your household contents

Contents insurance protects what’s inside your home. Think furniture, tech, jewellery and clothes.
If you lost everything after a fire or flood, replacing it all would be costly. Contents cover helps you recover.

Unlike buildings insurance, there’s no legal or mortgage requirement to have contents insurance. But it’s a sensible way to protect the things that matter to you.

Intelligent Insurance offer up to £100,000 cover for your contents.

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How to calculate your contents cover amount (sum insured)

Time to complete: ~10 minutes

Many policies include a blanket limit to help guard against underinsurance. Always check your Policy Booklet and Schedule for limits and excesses.

Step 1: Walk room-by-room

Include cupboards, the loft and shed/garage. Don’t forget rugs, curtains and freestanding appliances.

Step 2: List big items first

Start with sofas, beds, TVs and white goods. Then add smaller items that add up, like clothes, books and cookware.

Step 3: High-risk items

Jewellery, watches, laptops, cameras, musical instruments and hi-fi. Keep receipts/valuations and photos where possible.

Step 4: Check the single-item limit

Compare each item’s value to your policy’s single-item limit. Specify any item above the limit individually on your policy.

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Specialist home insurers

An Intelligent approach to insuring your home contents

Home 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
New for Old Cover
We will replace old items for new
Voluntary Excess
Choose the level of voluntary excess
Family Legal Protection included
Included as standard - with the option to upgrade to Plus Cover

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

Looking for extra protection? Upgrade your cover

Frequently Asked Questions

Contents insurance pays to repair or replace the things you own if they’re stolen or damaged by insured events like fire, flood or escape of water. It’s different from buildings insurance, which covers the structure and fixtures. Most policies pay “new-for-old” up to your contents sum insured.

Typically theft, fire, escape of water, storm, flood and malicious damage. Policies may include freezer food and replacing locks and keys. Accidental damage and cover away from home are optional upgrades; limits and excesses apply.

Add up the new-for-old cost of everything you own. Include high-risk items and check the single-item limit; specify items above it. Don’t forget cupboards, the loft and any covered outbuildings.

Use our 4-step guide to calculate your contents cover amount.

It isn’t a legal requirement, but most people would struggle to replace everything after a loss. Homeowners often pair contents with buildings cover; tenants insure their own contents.

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Policy Documents

If you’re currently insured with us, you’ll find the documents for your policy in MyAccount.

Add-Ons

Home Emergency Plus
Family Legal Protection Plus

How to make a claim for your home contents

Making a claim has never been easier – just follow these three simple steps.

step-one

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

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

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.