Contents insurance
From everyday essentials to the things you treasure, contents insurance protects what matters. Get your quote in minutes.
We offer two levels of Defaqto rated cover, so you can pick what works for your home and budget. Essentials is rated 3 Star and Enhanced is rated 5 Star.
Prices under £12 a month
Most of our customers pay under £12 a month for contents cover. Based on Essentials standard cover only.
Pay monthly at no extra cost
We won’t charge a penny more if you spread your payments over 12 months.
Protection you can count on
Our trusted partner, Aviva have been protecting customers for over 325 years.
What's covered
Contents insurance helps protect your personal belongings if they’re lost, damaged, or stolen. This includes items like furniture, electronics, clothes and valuables in your home and garden.
Nationwide contents insurance will provide cover for:
- Fire, storms or floods.
- Loss or theft of keys.
- Theft or attempted theft.
- Leaks or water escaping from pipes or heating systems.
- Damage caused by vandalism or civil disturbances.
- Food in freezers.
What's not covered
- Damage that happens over time, such as wear and tear.
- Damage caused by pets or other domestic animals.
- Storm damage to fences, gates and hedges.
Important policy information:
For more information on types of cover, exclusions and optional extras, read our home insurance documents.
Defaqto rated cover
We have two levels of Defaqto rated cover to choose from:
- 3 Star Essentials cover.
- 5 Star Enhanced cover.
Compare contents cover
This table doesn’t include optional extras, which you can add for an additional cost.
If you can't view the whole table, swipe, scroll, or rotate your phone to show more > > >
| Types of cover | Essentials | Enhanced |
|---|---|---|
| Contents cover We’ll repair or replace all your contents. |
£50,000 | Unlimited |
| Total valuables in your home Cover for your jewellery, watches, items of gold, silver or other precious metals, stamp, coin or medal collections, pictures, other works or art. |
£15,000 | £30,000 |
| Loss of rent or alternative accommodation If damage to your contents makes your home unfit to live in. |
£25,000 | £50,000 |
| Theft from outbuildings For items stolen from your locked outbuilding or detached garage. |
£1,500 | £5,000 |
| Family and student cover To cover the contents your family or dependants take with them if studying or staying in hospital, anywhere within the British Isles. |
Not available | £5,000 |
| Personal Liability If someone else gets injured or their belongings get damaged, and you’re held legally responsible. |
£5,000,000 | £5,000,000 |
| Household removals Cover for damage to your contents when you move caused by a professional removal firm. |
£50,000 | Unlimited |
| Freezer food Cost of replacing food spoiled because the temperature of your freezer changed accidentally. |
£1,000 | £1,000 |
| Money in your home To replace money lost or damaged in your home. |
£1,000 | £1,000 |
| Lost or stolen house keys Replacing the locks on the external doors of your home, garage or outbuildings. |
£1,000 | £1,000 |
Explore optional extras
For an additional cost, you can add any of the following optional covers. The optional covers are for both Essentials and Enhanced Covers unless stated below.
Choose your excess
You can choose an excess from £100 to £400, in £50 increments.
For the following claims you’ll pay a different excess:
- £500 for damage claims relating to escape of water, like water leaking from your washing machine.
Excess information:
Important home insurance documents
For a summary of the home insurance product, read our Home Insurance Product Information Document.
For more detailed information - including types of cover, exclusions and optional extras - read our home insurance policy documents and summary of cover limits.
Get a quote online in minutes
You can choose to get a quote for:
- buildings insurance
- contents insurance
- combined buildings and contents insurance.
You can also add optional extras to your policy for an additional cost, only paying for the cover you need.
To apply for home insurance
You need to be at least 18 years old.
Frequently asked questions
Buildings and contents insurance
Combining your buildings and contents insurance with one provider could work out easier than buying them separately.
Renters insurance
Find out how you can keep your belongings safe with our contents insurance for renters.
Existing customer support
Whether your cover is with Aviva or Royal & Sun Alliance Insurance Ltd, we’ll guide you to the right place to make a claim, view home insurance policy documents, or manage your policy.
Make a home insurance claim
Looking to start a home insurance claim with RSA or Aviva? Find support here, including guidance for emergency situations.
Manage your policy
Already have a home insurance policy with RSA or Aviva? Manage your policy here.
Home insurance help
- Make a home insurance claim
- Help if you're worried about RSA payments
- Help if you're worried about Aviva payments
- Update or cancel your home insurance policy
- FAQs for home insurance with Aviva