Protecting your stuff is important. That’s where Contents Insurance comes in. Use our drop-down to find out what we mean by Contents Insurance, and all the differences between it and Buildings Insurance.

When we say ‘contents’, we mean all the possessions in your home. From bookcases to beds, consoles to clothing, it’s all included. That’s the difference between contents insurance and buildings insurance, which covers the structure of your home. Buildings-only insurance won’t cover your possessions, so it’s important to check what your policy includes.

If you’re only covered by buildings insurance, or you’re a tenant that doesn’t have home insurance at all, contents insurance is the best way to protect your stuff. With us, you’ll get new-for-old cover, 2-hour replacements and cover for accidental damage.

Plus, Tenants’ Liability is included as standard, so if you’re renting, we’ve got you covered. We’ll pay towards repairing any damage to the landlord’s property.

Check out more of our Contents Insurance benefits below.

And don’t forget. With Direct Line, if you get a contents insurance quote, you’ll get £50,000 of contents cover for your home as standard with our Home Insurance policy.

Our different levels of cover

We currently offer three levels of Home Insurance cover. Our standard Home Insurance has optional extras that allow you to tailor your policy to your needs. Home Insurance Plus includes all optional extras as standard, making it a fully comprehensive level of cover. SELECT Premier is for customers looking to protect contents of £100,000 or more.

All of our policies come with access to our 24-hour emergency helpline as standard.

Home Insurance Home Insurance Plus SELECT Premier
Contents insurance

Loss or damage to contents caused by fire, lightning, smoke, storm or flood.

Up to £50,000 Up to £100,000 Unlimited
New-for-old replacement

For when repairs can’t be made. Covers household goods, including belongings in your home, garden or any sheds.

Home working cover

Office equipment in the home, including computers, printers and photocopiers.

Up to £5,000 Up to £10,000 Up to £15,000

Any cash lost or stolen within the home.

Up to £500 Up to £1,000 Up to £2,500
Outdoor possessions

Contents in the garden, such as lawnmowers, tools or garden furniture.

Up to £1,000 Up to £2,500 Up to £2,500
Lock & Key replacement

Locks and keys replaced if they’ve been lost or stolen.

Unlimited Unlimited Unlimited
Freezer contents

The cost of your freezer contents if impacted by an emergency.

Away from home cover

Items temporarily removed from the home, including short trips such as for shopping, or for longer-term periods like when children are at university.

Up to £5,000 Up to £10,000 Up to £15,000
Event protection

Automatic increase of your cover amount for 30 days either side of a family wedding or religious festival.

Included up to 10% Included up to 10%
Home Emergency cover

Up to £500 for emergency callouts, to help with things like boiler breakdowns.

More about Home Emergency
Accidental Damage cover

For unintentional damage caused to your belongings, like spilling wine on your sofa or burning your carpet with the iron.

More about Accidental Damage
Family Legal Protection

Can cover legal costs related to settling issues with faulty goods or services, or disputes with neighbours.

More about Family Legal Protection
Personal Possessions cover

Protect your personal belongings, like a phone or laptop, when you're out and about.

More about Personal Possessions

Full details on what is (and isn't) included can be found in our policy booklets.

Get a home quote

Other insurance we offer

Buildings insurance

Cycling insurance

Home insurance tips, FAQs and policy documents

Need more help?

You can make changes to your policy online, claim online or ask our virtual assistant.

Contact Us Claims

If you’d rather talk to us, just give us a call (includes Typetalk and sign language services). We can help you choose the right kind of cover.

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