Protect your possessions from loss or damage

You understand the importance of finding the right cover to protect your treasured possessions from loss or damage.

At Swinton we work hard to find great deals for our customers, and with over 60 years of experience behind us, we believe we understand what is important when you are looking for home contents insurance too. We'll compare quotes from our panel of UK home insurance companies to give you the lowest price we get back from them.

Swinton offers three levels of Contents Insurance cover

Essentials


Covers you for the basics

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Alternative accomodation

Alternative accommodation

Freezer contents

Freezer contents

Replacement locks & loss of keys

Replacement locks & loss of keys

Classic

A great level of cover to suit most homes, with all the benefits of Essentials, plus more.

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Theft from outbuildings

Theft from outbuildings

10% cover increase on special occasions

10% cover increase on special occasions

Cover against damage or theft of garden items

Cover against damage or theft of garden items

Premier

Extra features and higher limits over and above our Classic cover for added peace of mind.

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Legal protection

Legal protection

Matching sets cover

Matching sets cover

Student Cover

Student Cover

View core benefits at a glance

The table below shows benefits for contents insurance cover
Please refer to policy wordings below for exact cover

Key benefits

Essentials Classic Premier

Contents

(Choose a limit to suit your needs)

£50,000 to £150,000 £50,000 to £150,000 £50,000 to £150,000

Alternative accommodation cover

Up to £10,000 Up to £10,000 Up to £20,000

Lost or stolen keys

£500

Freezer contents

£250

Theft from outbuildings

£2,500 £5,000

£2,500 cover for downloaded audio/visual files

Office equipment cover in the home

£5,000 £10,000

Garden cover

£1,000 £2,500

£5,000 student cover

Matching sets cover

£100,000 legal protection

Optional Optional

Accidental damage

Optional Optional Optional

Personal possessions

(cover your valuables and gadgets wherever you are in the world)

Optional Optional Optional


Maximum limits shown. Other features, benefits and limitations exist, please contact us for details.

 

Policy Documents

For policies effective BEFORE the 2nd December 2019

Essentials
Policy Wording (PDF - 860KB)

Classic
Policy Wording (PDF - 2.7MB)

Premier
Policy Wording (PDF - 2.7MB)

For policies effective AFTER the 2nd December 2019

Essentials
Policy Wording (PDF - 667KB)

Classic
Policy Wording (PDF - 686KB)

Premier
Policy Wording (PDF - 698KB)

 

Get a quote online or call us today

 

Why choose us for your Home Insurance?

  • We’ll compare quotes from our specially selected panel of insurers to give you the lowest price we get back.
  • We're here to answer any questions - over the phone or via Live Chat
  • You can tailor your insurance with optional additional cover to suit your personal needs.
  • We store your insurance documents in our handy online insurance hub so you can view them at any time.

Home insurance - useful information

What is contents insurance?

Contents insurance covers the cost of replacing all the things in your home that are not part of the structure of the building, such as your furniture, TV and clothes. Generally speaking, this will cover you if they are damaged or destroyed by an insured peril.

You need contents insurance to help protect you against being left with a big bill in the case of a fire, flood, a storm or a burglary.

According to the Association of British Insurers, the average three-bedroom family home has contents worth £55,000. So, if you don’t have home contents insurance, you could be hit by a very large outlay to replace your belongings should the worst happen.

Be aware that home contents insurance policies will typically include an excess, which is the amount that you agree to pay every time you make a claim. For example, if you have to claim to replace home contents worth £200 and you have a £100 excess on your policy, then your insurer will only pay you £100.

What does contents insurance cover?

Contents insurance policies will generally include certain limitations:

  • A single item value limit – typically set at approx. £2,000, this is the maximum amount an insurer will pay out for a single item, like a piece of jewellery. If you have any valuables worth more than the single item limit, then you should tell your insurer as you will need to buy extra cover.
  • An overall value limit for all your contents – most policies have a limit on the total amount you can claim, so it’s important to make sure your policy covers the full cost of replacing all your possessions.

Contents insurance doesn’t include the structure of your home, such as the walls and the roof. You will need to have buildings insurance to cover this or you could take out a combined buildings and contents home insurance policy.

How to value the contents of your home

To make sure that you have enough insurance cover for all your home’s contents, it’s very important that you give an accurate valuation of your possessions.

If you underestimate their value, then you risk a shortfall in the amount that will be paid out if you need to make a claim, or potentially the insurer could decline your claim. On the other hand, if you overestimate the value of your home contents, then you could end up paying higher premiums than you really have to.

Be aware that the value of some expensive items – like gold, jewellery or collections – can change over time. Typically insurers will require you to get items like these professionally valued at least every two years, to make sure they haven’t been over or undervalued on your contents insurance policy.

Here are some tips on how to value your home's contents:

  • Go from room to room making a list of all your possessions - don’t forget attics, basements, sheds and garages
  • Value each item by checking the receipt, or look for a price online
  • Tell your insurer about any particularly valuable items to make sure they are covered
  • Update the list each year before renewing your policy.
  • If you buy anything valuable after taking out your policy, tell your insurer

And here’s a list of some of the items that can sometimes be forgotten when valuing your home contents:

  • Floor coverings, including carpets and rugs
  • Furniture, including sofas and beds
  • Soft furnishings, like curtains

At Swinton, we have created a simple and helpful Contents Calculator to help you get a better understanding of the value of your possessions.

Please note that insurance cover can vary from one insurance provider to another so you should check your own insurance documentation for exact details of the cover already held.