CONTENTS INSURANCE.

Compare our two levels of cover and get the right level of insurance to suit your needs. If you are a renter or tenant our affordable contents insurance may be right for you. You'll find some helpful information about our cover including additional cover options like accidental damage cover.

Halifax Home Insurance and Halifax Home Insurance Ultimate are underwritten by Lloyds Bank General Insurance Limited.


Get Contents Insurance from as little as £59* - that's about £1 per week

Plus a 10% discount when you get a quote and buy through Online Banking. This discount is for one year and excludes Home Emergency Cover and Legal Expenses Cover. If changes are made to your premium during the year, minimum premiums will apply. If you’re not already registered for Online Banking you can still register for Online Banking.

Get a quote onlineSign into Online Banking

*Prices from £59, based on 31% of customers paying this price or less for contents only policies bought online between 1st August 2018 to 9th November 2018. Price based on standard cover and excludes optional extras. Prices may be higher over the phone.


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) 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 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.

Please see our policy booklet for full details.


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 - We have UK only call centres, which means all our claims advisers are based in the UK.
  • Help in an emergency - Rather than trying to find an electrician or plumber in the middle of the night, just ring the 24-hour Emergency homeline number. 
  • Extra support when you need it - If your claim is particularly complex and we feel you need extra support, we can send a Personal Claims Consultant to help you face to face.


Choosing the right level of 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 additional cover is included as standard, with higher limits in key cover areas.
Contents insurance table

Home Insurance Limit

Home Insurance Ultimate Limit

Private Residence Cover

Up to £75,000* (included)

Unlimited** (included)

Contents in outbuildings and in the open cover

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

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

Accidental Damage Cover

Up to £75,000* (optional)

Unlimited** (included)

Replacement of Sets Cover

Not available

Unlimited** (included)

High Risk Items

£10,000 as standard ***

£10,000 as standard ***

Personal belongings away from the home cover

Up to £15,000** (optional)

Up to £25,000** (optional)

Students' Contents Away From Home Cover

Up to £10,000** (optional)

Up to £10,000** (optional)

Pedal Cycle Cover

Up to £10,000** (optional)

Up to £10,000** (optional)

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

Up to £30,000** (optional)

Up to £50,000** (optional)

Private Residence Cover


Home Insurance Limit

Up to £75,000* (included)

Home Insurance Ultimate Limit

Unlimited** (included)

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)

Accidental Damage Cover


Home Insurance Limit

Up to £75,000* (optional)

Home Insurance Ultimate Limit

Unlimited** (included)

Replacement of Sets Cover


Home Insurance Limit

Not available

Home Insurance Ultimate Limit

Unlimited** (included)

High Risk Items


Home Insurance Limit

£10,000 as standard ***

Home Insurance Ultimate Limit

£10,000 as standard ***

Personal belongings away from the home cover


Home Insurance Limit

Up to £15,000** (optional)

Home Insurance Ultimate Limit

Up to £25,000** (optional)

Students' Contents Away From Home Cover


Home Insurance Limit

Up to £10,000** (optional)

Home Insurance Ultimate Limit

Up to £10,000** (optional)

Pedal Cycle Cover


Home Insurance Limit

Up to £10,000** (optional)

Home Insurance Ultimate Limit

Up to £10,000** (optional)

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)

*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.


Help and guidance

Whether you’re looking for information on types of cover, extra protection or need help understanding insurance jargon, we’ve got everything you need.

Extreme weather, burglars, fire – there’s a lot to think about. So we’ve made things as simple as possible with hints and tips on protecting your home and your possessions.


Get a Contents Insurance quote

We've made it easy for you to buy great value Contents insurance. Compare our two levels of cover side by side when you get a quote.

10% discount if you’re a Halifax Online Banking customer. Simply sign in, get a quote and buy through Online Banking. Your discount is applied to our standard online price and excludes Home Emergency and Legal Expenses cover. Minimum premiums apply if you make a change to your premium during the year.

Get a quote online Sign into Online Banking


Get a Contents Insurance quote over the phone

If you would 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 - 8pm and Sat 8am - 4pm. (Times may vary on public holidays).


Need both Buildings and Contents Insurance?

You can benefit from the following offers:

  • Get a 10% discount on your Home Insurance quote. Simply sign in to Online Banking and get a quote and buy a policy. If you’re not already registered for Online Banking you can still register for Online Banking
  • Plus, get £50 cashback when you take out a new combined buildings and contents insurance policy. You'll receive your £50 cashback once you've held your policy for 70 days and paid your first premium. Conditions apply.

Get a quote


Important information

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.