Contents Insurance
propertyContents-only insurance for renters and homeowners who want to protect their possessions without insuring a building they do not own. Covers belongings against theft, fire, flood, and accidental damage.
GeraSure is a comparison and referral service. Insurance products are provided by FCA-authorised or equivalent regulated insurers in each jurisdiction. GeraSure does not underwrite insurance policies and does not provide financial advice. Always read the policy wording before purchasing.
Typical Annual Premium
£60 – £250per year
Premiums depend on your risk profile, coverage level, and insurer. Get a personalised quote.
What's Covered
- ✓Furniture, electronics, clothing, and appliances
- ✓Theft — including burglary
- ✓Fire and smoke damage
- ✓Flood and water damage
- ✓Optional: accidental damage
- ✓Optional: away-from-home cover (personal possessions)
Key Exclusions
- ✕Buildings (structural elements)
- ✕Vehicle contents
- ✕Business equipment above policy limit
- ✕Wear and tear
How to Make a Claim
- 1
Report theft to police (required for theft claims — obtain crime reference number)
- 2
Log claim on GeraSure with photos and proof of ownership
- 3
Insurer reviews claim and may request receipts or valuations
- 4
Settlement paid by bank transfer or voucher within 5–10 working days
Available In
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Get a Free QuoteFrequently Asked Questions
Do I need contents insurance as a renter?
Your landlord's insurance covers the building — it does not cover your personal belongings. Contents insurance protects your possessions and is strongly recommended for all renters.