How much does contents insurance cost?
Average cost by amount of cover*.
*Confused.com data July - September 2023.
The average cost of contents insurance is £66*. 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
*Confused.com data July - September 2023
What does contents insurance cover?
Contents insurance is designed to cover everything you might take with you if you moved house, including:
- 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
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.
You should list these individually when you get a contents insurance quote to be sure they're covered. Some insurers will request an official valuation for things like jewellery and art, and you can provide proof of valuation after you buy your policy.
- Valuable collections, for example coins, stamps or medals
- Expensive jewellery like engagement rings
- Antiques and art
- Gadgets and electronic equipment
- Musical instruments
- Designer clothing or handbags
- Items in your garden or shed, such as a barbeque
You also need to list separately any bicycles and laptops worth over £150.
Some insurers also include shed insurance, which should cover the contents of your garden and outbuildings (other than items over £1,000). The amount of cover you get varies between insurers, so if you have a lot of gear stored outside it’s important to check how much cover is included.
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.
Our experts and consumer champions are dedicated to helping our customers find the best deal for their needs and budget.
"Good service and good customer care."
Sushma - Confused.com customer (September 2023)
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Adrian - Confused.com customer (October 2023)
"It's a good site to check and compare and cheaper than others. Easy to follow and understand."
Kelly - Confused.com customer (September 2023)
"Quick and simple to complete. A very reasonable price. Ideal comprehensive cover. What's not to like?"
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Types of home insurance
can be tailored to cover the building, content or both depending on whether you own or rent your flat.
find home insurance for your flat or partially flat roofed property.
protects your thatched roof home against theft, loss and damage.
can offer some protection for your home and belongings if you live in a flood risk area.
can provide peace of mind your home and belongings are protected against loss, damage and theft.
get cover for your non-standard home. Protect your belongings against theft, loss and damage.
Home insurance guides
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