What is contents-only insurance?
Where a link is marked *, it is a partner link — we receive commission at no extra cost to you. Links without a * earn us nothing. How we make money.
In short: Covers belongings inside the home — furniture, tech, clothes — without insuring the building structure. Tenants need contents cover; landlords insure the building.
Last reviewed:
Reviewed by Kaiser Khan
Sum insured should reflect replacement cost of everything you own — use room-by-room estimates. Accidental damage and away-from-home cover are optional extras.
High-value items (jewellery, bikes) may need named limits or separate cover.
Compare with buildings insurance on our home insurance guide.
Primary source: abi.org.uk/products-and-issues/choosing-the-right-insurance/home-insurance
Part of our Family & care
This quick answer sits inside our wider family & care hub — with sub-guides, calculators and step-by-step explainers on the same topic.
Read the full family & care guide →