Hit enter to search or ESC to close
Contents insurance
Secure your household belongings with contents cover
Protecting your home and contents is easy with Gallagher.
Whether you're a tenant, homeowner, or landlord, we can arrange a home and contents policy to suit your needs—whether you're after comprehensive protection or just the basics.
Contents insurance helps protect the things inside your home from unexpected damage or disasters—big or small.
This includes events like theft, loss, water damage, fire, and earthquakes.
What does contents insurance cover?
Contents insurance helps protect the personal items in your home, like furniture, clothing, bedding, rugs, electrical items, whiteware and other personal effects.
Some items—like jewellery or artwork—may only have limited cover unless they’re listed separately in your policy. If you have valuables, our brokers can help recommend the best way to make sure your items are properly protected.
Types of contents insurance
| Personal contents |
Covers your belongings for accidental loss or damage in your main home. |
| Flatters contents |
Cover for people who are flatting or renting. Depending on how many people live in the home and the level of security, cover may be comprehensive or limited to specific events. |
| Holiday home contents |
Covers items in your holiday home. This may include full cover or be limited to certain defined events. |
| Landlord contents |
Covers items you leave in a rental property for tenants to use, such as fridges, stoves, washing machines, and other whiteware. |
Calculating contents insurance
Your contents sum insured amount is the total amount your insurer would pay out in the event of a total loss to your contents.
You are responsible for setting your contents sum insured. The easy-to-use contents sum insured calculator can help you estimate the value of everything you own.
It’s important to ensure your contents sum insured is enough to cover everything you own—including special items like jewellery, watches, bikes, artwork, and hearing aids. If any of these are worth more than the standard limits, they may need to be listed separately in your policy.
If you underestimate the value of your contents, you could be left out of pocket if you need to replace everything—or even just one important item.
Help with contents insurance
We’re here to help arrange the most appropriate cover for your contents. And we can also help insure your home. If a claim occurs, we'll support you at every step.
Contact us to find out more.
Personal insurance
Home insurance
Cover and protection for your biggest, and often most valuable asset.
Contents insurance
Protection for your personal belongings.
Car insurance
Cover for your private use vehicle.
Landlord insurance
Essential cover for your rental or investment properties.
Travel insurance
Single-trip, annual multi-trip, and educational travel cover options.
Boat insurance
Insurance for all types of watercraft, from dinghies to superyachts.
