Contents Insurance That Fits the Way You Live
Your belongings make your house feel like home. Furniture, clothes, technology, hobbies and everyday essentials all play a part in daily life. If there’s a fire, leak, theft or accident, the right contents insurance helps you replace what’s been lost and get back to normal with less stress.
Who This Suits
Contents insurance could be a good fit if you:
Have furniture, clothes, technology or valuables you want to protect
Own jewellery, watches or other high-value items
Have bicycles, sports gear or hobby equipment
Work from home and need cover for office equipment
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What Your Policy Can Include
Every home is different. That’s why we work with several insurers and shape cover around the way you live. Limits and features vary by policy, and we’ll explain what applies to you.
Your contents cover can include protection for:
Fire, storm, flood or theft
Cover if your belongings are damaged by fire, storm, flood or theft.
Accidental damage
Cover for unexpected accidents that damage your belongings.
New-for-old replacement
Most policies replace items with brand-new equivalents rather than paying second-hand value.
Theft from sheds, garages or outbuildings
Cover for items kept in sheds, garages and other outbuildings, subject to policy limits.
Garden furniture and outdoor items
Cover for items such as garden furniture, barbecues and outdoor equipment.
Home office equipment
Cover for home-working equipment such as a computer, monitor or printer.
Spoiled freezer food
The cost of replacing food in a fridge or freezer following a temperature change or contamination from fumes.
Lost or stolen keys
Help with replacing locks and keys after loss or theft, within policy limits.
Public liability (occupiers’ liability)
Cover if someone is injured on your property, or their belongings are damaged, and you are found legally responsible.
Guests’ belongings
Some cover for visitors’ possessions while they are temporarily in your home.
Exact features and limits depend on the insurer and policy you choose. We’ll highlight what’s included, what’s optional and how limits work, so you always know where you stand.
Optional Extras
We’ll help you decide what’s worth adding, so you’re not paying for cover you don’t need.
Worldwide personal possessions
Cover for everyday items you take out with you, including when travelling abroad, subject to policy terms.
Legal expenses cover
Support with certain legal costs, such as neighbour disputes or consumer claims, depending on the policy.
Home emergency helpline
Access to emergency assistance for urgent issues such as burst pipes or boilers (service limits apply).
Upgraded bicycle cover
Higher cover limits for bicycles, with cover applying when used away from home, where included.
Valuables cover
Extra protection and higher limits for jewellery, watches and other valuables.
Student cover upgrades
Extra protection for belongings taken to university or college, where required.
Tenants’ liability cover
Cover for accidental damage you cause to your landlord’s fixtures and fittings when you rent your home.
Some items and options may need additional insurer approval. We’ll show you what’s available and what information is needed, so you can choose with confidence.
How We Help
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Step 1 of 4
You tell us what’s important Your home, your belongings and what you want to protect.
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Step 2 of 4
We compare top insurers And find options that fit your needs.
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Step 3 of 4
You choose We explain everything clearly, in plain English.
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Step 4 of 4
We arrange the policy And take care of the paperwork.
Cover is subject to underwriting. Terms and exclusions apply.
Why Use a Broker for Contents Insurance
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We work for you, not the insurers
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We’re local and we understand island homes
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We explain things clearly, without jargon
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We know how to protect tech, valuables, and high-value items
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You get real people in Jersey, Guernsey and Alderney when you need help.
Calculate your contents
Get an estimate of your sums insured before you request a quote.
Ready to get started?
Complete the request form and we’ll be in touch with your quote.