- Electrical goods like smartphones, TVs, laptops and gaming consoles
- Furniture such as dining tables, beds, sofas and wardrobes
- Money, the amount covered will be stated in your policy details
- Clothes and shoes
- Kitchen appliances
- Soft furnishings, cushions, linen, and curtains
How much does contents insurance cost?
Average cost by amount of cover*.
£40,000 - £49,999:
£166
£50,000 - £59,999
£210
£60,000 - £69,999
£216
*Confused.com data, November 2023 - January 2024.
The average annual cost of contents insurance is £67*. But remember that this is just an average, and the amount you pay is based on a range of factors, including:
- The amount of cover you need
- Where you live
- Any security devices your home has
- The amount of excess you agree to pay
- Whether you pay annually or monthly
*Based on Confused.com data, November 2023 - January 2024.
We compare up to 64 trusted insurance companies1 to get you our cheapest deal in minutes
What does contents insurance cover?
Contents insurance is designed to cover everything you might take with you if you moved house, including:
Expensive items that cost more than £1,000 are generally not covered as standard by contents insurance. These are usually classed as high-risk items, as they’re higher value and often easy to steal.
What’s not covered by contents insurance?
Contents insurance doesn't cover the building itself. The structure of your home and any permanent fixtures are covered with a buildings insurance policy.
You should also tell your insurer if a lodger starts living with you, so you don’t risk invalidating your policy. This list isn’t exhaustive, so check your policy details for all home insurance exclusions.
What our home insurance expert says
Why use Confused.com?
- We’re 100% independent and not owned by an insurance company. We’ll always show you our best prices that are available at the time, no matter who they’re from.
- We don’t offer freebies or gimmicks you’ll never use, instead Confused.com Rewards lets you choose one of four rewards each time you buy a home insurance policy. The choice really is yours.
- We're FCA regulated, just like the 64 home insurance companies we work with. This means that we have to follow strict guidelines in order to operate. So when you use our site, you know you’re in safe hands.
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Our experts and consumer champions are dedicated to helping our customers find the best deal for their needs and budget.
Types of home insurance
Home insurance guides
Page last reviewed: 08 February 2024
Reviewed by: Matthew Harwood