Do you need home contents insurance?

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Most people need home contents insurance.

Home contents insurance

Home contents insurance means that if something you own is lost, or stolen, or you have a fire in your home, the insurance company will give you money to replace it.

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an estate agents sold sign with insurance documents

You need home contents insurance if you own your own house or flat.

Home contents insurance

Home contents insurance means that if something you own is lost, or stolen, or you have a fire in your home, the insurance company will give you money to replace it.

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an estate agents let sign with insurance documents

You need home contents insurance if you rent a house or flat — if you have a tenancy.

Home contents insurance

Home contents insurance means that if something you own is lost, or stolen, or you have a fire in your home, the insurance company will give you money to replace it.

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Rent

You can rent a flat or a house to be your home. This means that you are paying to stay there - you do not own it yourself.

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Tenancy

This means you have the right to live in a house or flat, in return for paying rent. The person you pay rent to is called the landlord. The landlord may be a person or an organization, like a housing association.

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two people sitting on a sofa and an insurance document

You need home contents insurance if you share with other people.

If you do share with other people, you might need to let your insurance company know.

Home contents insurance

Home contents insurance means that if something you own is lost, or stolen, or you have a fire in your home, the insurance company will give you money to replace it.

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three people sitting on sofas

You don't need home contents insurance if you are living in someone else's house and they have insured your things too.

For example, if you live with your family, then their home contents insurance will cover the things you own too.

Home contents insurance

Home contents insurance means that if something you own is lost, or stolen, or you have a fire in your home, the insurance company will give you money to replace it.

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Home contents insurance

Home contents insurance means that if something you own is lost, or stolen, or you have a fire in your home, the insurance company will give you money to replace it.

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If you are not sure, ask them.

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Be careful!

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If you have a lot of things or things that are expensive, you need to check that your home contents insurance will pay for those things.

Home contents insurance

Home contents insurance means that if something you own is lost, or stolen, or you have a fire in your home, the insurance company will give you money to replace it.

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For example, if you have an expensive computer or a bicycle, then the home contents insurance might need to say that.

Home contents insurance

Home contents insurance means that if something you own is lost, or stolen, or you have a fire in your home, the insurance company will give you money to replace it.

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a family

If you are not sure if you need home contents insurance, talk to your friends or family. Or talk to your advocate if you have one.

Home contents insurance

Home contents insurance means that if something you own is lost, or stolen, or you have a fire in your home, the insurance company will give you money to replace it.

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possessions with a tick

Most people need home contents insurance. It is very important if things go wrong.

Home contents insurance

Home contents insurance means that if something you own is lost, or stolen, or you have a fire in your home, the insurance company will give you money to replace it.

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a man with empty pockets

If you don't have home contents insurance and if something big gets damaged or stolen, or you have a fire, or flood, you might not have enough money to replace it.

Home contents insurance

Home contents insurance means that if something you own is lost, or stolen, or you have a fire in your home, the insurance company will give you money to replace it.

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For some things this might not matter too much. But it would matter a lot if it was something important like your fridge, cooker or washing machine.

Find out how much you need

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