Contents Only Insurance
Already got home insurance but no contents coverage? Islands has an individual policy covering just contents and personal possessions. Meaning your home is protected from the inside out.
Benefits included as standard*
Our in-house contents policies include a great range of free benefits as standard.
We include accidental damage cover for your contents on a 'new for old' replacement basis as standard.
We automatically cover your precious belongings when you are out of your home, anywhere in the world.
Get up to a 25% discount on your policy with a No Claims discount of 3 years or more.
Help and assistance, 24 hours a day, through our free emergency helpline.
*applies to most policies, subject to terms and conditions.
Why choose Islands?
Our locally-based team is dedicated to providing specialist, personal service, to give you peace of mind with insurance cover for the things that matter.
An experienced market-leading team, delivering specialist advice and expertise for over 40 years.
Pop into our office, speak to us on the phone, send an email, or browse through our website.
We have bespoke Channel Island products designed and rated with this in mind that can be individually tailored for your needs.
We are proud to support the local community through several sponsorships and partnerships. Helping to protect our rich heritage and take care of our beautiful islands.
Friendly, experienced local claims team giving guidance and help when it matters most.
Available if you have more than one policy with us.
Contents Calculator
Easily estimate the value of your home’s contents with our user-friendly Contents Calculator
Calculate nowLevels of cover
Find out what’s included in each of our in-house policies.
| Features in our Levels of Cover | Premier | Prestige |
| Basis of cover | Repair or Replacement of your belongings up to your sum insured, including accidental damage cover as standard | Repair or Replacement of your belongings up to your sum insured, including accidental damage cover as standard |
| Cover for your valuables. Including, Precious metals, Jewellery, Art and Collections | 1/3rd of your Contents value with a single item limit of £5,000 | 2/3rd’s of your Contents value, with a single item limit of £10,000 |
| Rent and accommodation costs if your property cannot be lived in | 25% of your Contents value | Reasonable costs for up to 3 years |
| Personal belongings cover protecting your everyday items outside of the home | £5,000 as standard for up to 60 days with a single item limit £2,000 | Worldwide cover with no time limit, up to 2/3rd’s of your Contents value, with a single item limit of £10,000 |
| Protection against water damage | Repair or Replacement of your water damaged belongings up to your total value | Repair or Replacement of your water damaged belongings up to your total value |
| Students' belongings while away from home in higher education | Up to £7,500 of Contents covered automatically within the UK | Up to £7,500 of Contents covered automatically within the UK |
| Money and Card cover for losses by accident or theft | £1,000 for Money or £10,000 for Bank cards | Worldwide cover included automatically with no total value limit and single item limit of £10,000 |
| Protection for your new purchases | £5,000 while carried home | £5,000 for Money or £25,000 for Bank cards |
| Family Legal Expenses | Up to £50,000 | Up to 25% of your Contents value for 60 days |
| Public Liability indemnity | £5 million as standard, or £10 million on request | £5 million as standard, or £10 million on request |
*applies to most policies, subject to terms and conditions.
Extras
Treasured Collections
From Antiques to Stamps to Wine we can include cover for all your special collections
Air BNB
We can include cover for you to let your property out on Air BNB
Holiday Home
If you have your Contents insured with us we can look to insure your holiday home in the Channel Islands or the UK
Flexible buildings cover
If you move or have simply had your buildings insured separately, we can add buildings to your contents policy at any time and as an added bonus you will get an extra 10% discount off your Contents cover
*applies to most policies, subject to terms and conditions.
Peace of mind
Our in-house policies protect your contents and personal belongings against a wide variety of damages, theft and loss.
*applies to most policies, subject to terms and conditions.
You’re covered for:
- Lock replacement if your keys are lost or stolen
- Home and garden contents
- New for old replacements
- Accidental damage
- Lost or stolen money or credit cards
- Personal belongings
Expert Insurance for Your Needs
Experience the tailored care and expertise of Hepburns. We’re more than brokers; we’re your personal insurance confidants for life’s complexities.
FAQs
Have a question about our contents insurance policies?
We may have the answer already. See answers to our most frequently asked questions below.
Am I covered “new for old”?
We include “New for Old” on all our policies for no additional charge (Exclusions apply see your policy schedule and wording for more information or call us on 01534 835383 (JSY) or 01481 710731 (GSY) or 01481 824100 (ALD), 9am till 5pm Monday to Friday)
What is the difference between Personal Belongings and Contents?
Contents are items that stay within your home. Personal Belongings are items you would normally take outside of your home
Are my belongings covered outside the home or when I go on holiday?
If you live in your property and have Contents included, you will have a minimum of £5,000 of unspecified personal belongings cover with a single article limit of £2000 for most items. Your schedule will show the limits applying to your policy, or call us on 01534 835383 (JSY) or 01481 710731 (GSY) or 01481 824100 (ALD), 9am till 5pm Monday to Friday
Articles & guides
Keep your building, contents and occupants safe with our handy home guides.
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