Contents cover

Contents insurance

Replacing your possessions could be surprisingly expensive. That’s why our contents insurance offers an unlimited amount to cover items for theft and damage while they’re in your home.

  • We’ll replace matching items if one of a set is damaged and cover your valuables like jewellery and watches
  • Buy cover enhancements for extra protection if you need it

What contents insurance does for you

Although 86% of UK homeowners have contents insurance1, it isn’t compulsory. But it’s a good idea in case the unexpected happens. If you know you couldn’t easily replace your possessions if you needed to, contents insurance is there to do it for you. 

What’s covered

Unlimited sum insured2 for your possessions while they’re in your home or garden

Valuable items – up to £20,000 with a further £20,000 available for individual items worth over £2,500 each, while at home

Matching items – unlimited cover to replace a damaged part of a set, like your beloved sofa or dinner set

Excess adjustable to suit you

What's not covered

Accidental damage isn’t standard but you can choose to include it with your contents insurance, or through gadget, bike, personal items and sports equipment cover

Your possessions away from home – choose personal items, gadget, bike and sports equipment cover for insurance when you’re out and about

Damage caused by wear and tear, or any damage that happens gradually

It’s important you understand exactly what is and isn’t covered by contents insurance. The examples we’ve shown above are only intended as a guide – full details are in the policy document.

Why choose Barclays Home Insurance?


Customer rating

This data was last updated on 5 August 2019 and is based on 865 reviews comprising 536 renewals, 193 new customers and 136 claims.

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Pay monthly

Spread your payments over 12 months for no extra cost.

Defaqto, expert rated Home Insurance, for 2018.

Consistent quality

We’ve been given a five-star rating by the industry experts at Defaqto for four years running (2016 to 2019). Defaqto five-star rating applies to combined buildings and contents, and buildings or contents covers, only.

Consumer intelligence, customer service and consumer trust award, for 2018. Voted by householders.

Award winning

We’ve been voted one of the top ten UK providers for Customer Trust and Customer Service in the Consumer Intelligence Awards for three years running, by people who insure their homes with us.

Great for renters

If you rent your home, don't assume your landlord will insure your contents.

Having contents insurance means your possessions are covered against theft, vandalism, fire or water damage. You can also add cover to protect against damage caused accidentally.

Other contents options

Starter contents

You might not need unlimited contents cover if you don’t have lots of possessions. Our starter contents is great if you need less cover – and you can increase it at any time as your needs change, with no admin fees.

Want something different?

We also offer standalone insurance for bike, sports equipment, gadget (only available with contents), personal items, home emergency and legal services, which you can add to your policy or buy separately.

Barclays Premium Home Insurance

Provided by Hiscox, our most comprehensive level of home insurance for Premier customers, with jewellery, watches, art and collections covered as standard.

Your guide to contents insurance

A general guide to insuring your possessions at home.

Already insured with us?

Already got a quote?

View or amend your quote or buy your policy.

Already insured with us?

Make a claim, make changes, see your policy documents - all in one convenient place.

More reasons to insure with us

  • Get more in your wallet with Barclays Blue Rewards3
  • We'll pay your cancellation fees when you switch to us4

Further help

Contact us

0800 015 0246 5

Monday to Friday, 8am to 10pm
Saturday, 8am to 6pm
Sunday and bank holidays, 10am to 4pm