Contents insurance for renters
Protect your belongings with a contents-only home insurance policy. Get a quote online in minutes. Administered and underwritten by Aviva Insurance Limited.
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Take out any new home insurance policy with us and you’ll be automatically entered into one of the monthly prize draws.
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Choose cover to suit you
Contents insurance which is ideal if you’re renting
Cover for loss or damage to your landlords fixtures and fittings that you’re responsible for
Add accidental damage and other optional extras, so you only pay for these if you need them
UK-based claims team. It’s quick and easy to register your claim online
Choice of Classic or Plus cover
Choose from our levels of cover – Classic and Plus
We can offer you the choice between two levels of defaqto rated cover: our Classic policy or our Plus policy. See the table below to compare the differences between the two.
The table below provides a summary of the features of each cover level. Full details of our cover limits (65 KB)are available.
| Product features | Classic | Plus |
|---|---|---|
| Content sum insured. This covers loss or damage to the possessions in your home. | Up to $50,000 | Unlimited |
| Cover limit for valuables in your home. | $20,000 | $50,000 |
| Alternative accommodation. | Up to $25,000 | Unlimited |
| Replacement locks if your keys are lost or stolen. | Up to $250 | Unlimited |
| Accidental damage. | Optional | Optional |
| Content lost, stolen or damaged beyond repair replace with new ones. |  | |
| Tenants’ liability cover. | | |
| Optional legal services, available at an additional cost to cover disputes with a landlord over a tenancy agreement, for example. | | |
| UK-based claims team to support you with every step of your claim. | | |
| Minimum excess for escape of water. | $450 | $450 |
| Choice of contents excess. | $100-$500 | $100-$500 |
| Defaqto rating What is Defaqto? Defaqto is an independent financial information business. Their Star Rating reflects the level of features and benefits offered within a financial product. The more comprehensive the level of features and benefits offered by a product, the higher the Defaqto Star Rating it’s given. |
Policy terms and conditions, other cover limits, restrictions and exclusions apply. Please read the important information for more details and our Terms of Business.
What is contents insurance?
Contents insurance protects your belongings against the cost of unexpected things happening, such as:
- theft
- vandalism
- fire
- or flooding.
Many people combine contents cover with their buildings insurance. This is so they can protect their personal items as well as their home.
If you rent your home, you may not need buildings insurance as it’s usually your landlord’s job to take care of that. But most landlords won’t cover your own belongings. Because of this, you may want to take out contents insurance for extra cover.