Contents insurance

Get peace of mind with Halifax Contents Insurance

Contents Insurance covers your personal belongings. Our Home Insurance product will cover your personal belongings for a minimum of £10,000 worth of high risk items as standard. You can also choose to cover your personal belongings away from the home up to £15,000. If you need a higher level of cover you could opt for our Home Insurance Ultimate which offers some higher limits.

Compare our two levels of cover and get the right level of insurance to suit your needs. You'll also find some helpful information about our cover including additional cover options like accidental damage cover.

For a different level of cover, take a look at our Renters Insurance.

Get Contents Insurance from as little as £60*

With our Contents Insurance policy from as little as £60*, you could protect the things that matter the most to you for around £1 a week! You can also pick and choose from a range of optional extras.

Get a quote now

*Prices from £60, based on 32% of customers paying this price or less for contents only policies bought online between 1st July 2020 and 1st November 2020. Price based on standard cover and excludes optional extras. Prices will be higher over the phone or in branch.

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Why get Contents Insurance?

Some of your personal possessions may have a high cost in money terms – if the worst happens it might cost a lot to replace them.

You will be covered for £10,000 worth of high risk items as standard (you can select more cover if you wish). This covers belongings such as your jewellery, mobile phone, and computers within your home.

It's not always easy to work out the cash value of these items, so we’ve put together a handy checklist (PDF, 235 KB) to help you calculate the value of your contents and work out how much cover you’ll need.

What we cover

Halifax Contents Insurance offers you protection against events such as flooding, fire and theft from the home.

  • Your contents - Protect your household goods, furnishing and clothing
  • Money & Credit Cards - Cover for your cards and cash when in the home
  • Liability as a tenant - Compensation payments under tenancy agreement for damage
  • Replacement locks and keys - If you or your family lose the keys to your home.

Why choose us?

When it comes to Contents Insurance we make the process of applying, claiming and settling as easy as possible for you.

  • Easy to contact - All our call centres and claims advisers are based in the UK
  • 24/7 Emergency Helpline - We're available 24/7 should an emergency occur and you need to find an electrician or plumber in the middle of the night
  • Extra support when you need it - If your claim is complex and we feel you need extra support, we'll send a Personal Claims Consultant to help you face to face.

Choosing the right level of Contents Insurance cover

We offer two levels of Contents Insurance cover for you to choose from:

  • Halifax Home Insurance - a tailored flexible offering that allows you to choose from a range of additional cover options
  • Halifax Home Insurance Ultimate - a more inclusive offering where more cover is included as standard, with higher limits in key cover areas.

Contents insurance table

Contents Insurance table

Home Insurance Limit

Home Insurance Ultimate Limit

Contents Insurance table

Private Residence Cover

Home Insurance Limit

Up to £75,000* (included)

Home Insurance Ultimate Limit

Unlimited** (included)

Contents Insurance table

Contents in outbuildings and in the open cover

Home Insurance Limit

Up to £5,000 in Outbuildings (optional)
Up to £1,000 In the Open (optional)

Home Insurance Ultimate Limit

Up to £10,000 in Outbuildings (included)
Up to £2,000 In the Open (included)

Contents Insurance table

Accidental Damage Cover

Home Insurance Limit

Up to £75,000* (optional)

Home Insurance Ultimate Limit

Unlimited** (included)

Contents Insurance table

Replacement of Sets Cover

Home Insurance Limit

Not available

Home Insurance Ultimate Limit

Unlimited** (included)

Contents Insurance table

High Risk Items (individually worth up to £3,000)

Home Insurance Limit

£10,000 as standard ***

Home Insurance Ultimate Limit

£10,000 as standard ***

Contents Insurance table

Personal belongings away from the home cover

Home Insurance Limit

Up to £15,000** (optional)

Home Insurance Ultimate Limit

Up to £25,000** (optional)

Contents Insurance table

Students' Contents Away From Home Cover

Home Insurance Limit

Up to £10,000** (optional)

Home Insurance Ultimate Limit

Up to £10,000** (optional)

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Pedal Cycle Cover

Home Insurance Limit

Up to £10,000** (optional)

Home Insurance Ultimate Limit

Up to £10,000** (optional)

Contents Insurance table

Specified Items Cover (individually worth over £3,000)

Home Insurance Limit

Up to £30,000** (optional)

Home Insurance Ultimate Limit

Up to £50,000** (optional)

Contents Insurance table

Home Insurance Limit

Home Insurance Ultimate Limit

* Illustrates the limits of cover we provide as standard. A higher Sum Insured amount can be specified, this is limited up to £100,000 for contents. There are elements of cover which are subject to lower limits (e.g. alternative accommodation).

** There are elements of cover which are subject to lower limits.

*** Illustrates the limits of cover we provide as standard. A higher Sum Insured amount can be specified, this is limited up to £30,000 on Home Insurance and £50,000 on Home Insurance Ultimate.

Limits, terms and exclusions apply to all levels of cover. See our policy documents for full details.

Get a Contents Insurance quote over the phone

If you'd prefer to get a Contents Insurance quote over the phone, we're here to help.  We'll answer any questions you may have about our products and services, to make sure that you get the right level of cover to protect your possessions.

Call us on 0800 085 6844

Lines are open Mon to Fri 8am - 6pm and Sat 9am - 1pm. (Times may vary on public holidays).

Calls may be recorded and monitored for training and/or quality purposes. 

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Need Renters Insurance?

Looking for contents insurance that fits around your lifestyle? Cover you can manage online whenever suits you? We’ve got you sorted!

Our Renters Insurance is simple cover that gives you the freedom and flexibility to protect the things you love most.

Get a quote now

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Need both Buildings and Contents Insurance?

If you’re looking for both Buildings and Contents Insurance we’ve got you covered. Our combined policy covers your private residence and its attached structures, plus their contents, all under one insurance policy.

Get a quote now

Halifax Home Insurance and Halifax Home Insurance Ultimate are underwritten by Lloyds Bank General Insurance Limited.
Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.