Urban Jungle’s Home Contents Insurance is designed to cover your stuff, at home or wherever you are. It covers things like your phone, laptop, furniture and other bits and bobs against accidental damage, theft and loss.
Our policies start from £5 a month, and flexible so you’ll only pay for the cover you need. Simply answer 5 quick questions and get covered in minutes. Get a contents insurance quote here.
Get CoveredUrban Jungle’s Home Contents Insurance is designed to cover your stuff, at home or wherever you are. It covers things like your phone, laptop, furniture and other bits and bobs against accidental damage, theft and loss.
Our policies start from £5 a month, and flexible so you’ll only pay for the cover you need. Simply answer 5 quick questions and get covered in minutes. Get a contents insurance quote here.
Get Covered
Insurance for home contents is designed to cover your stuff in case something happens, whether that’s in your home or when you’re out and about.
It’s a type of home insurance, and homeowners and renters can get it. Though if you own your home, you may be required to get buildings insurance as part of your mortgage contract. Learn more about buildings insurance here.
Now you know the contents insurance meaning, what is actually covered by contents insurance? Phones, jewellery, bikes, your sofa can all be covered under contents insurance only as long as it isn’t a structural part of your home. When thinking about what content insurance covers, imagine moving home, what would you take with you? Everything you own and take with you is considered your contents. Things like TV, books, phone. Anything that stays in place isnconsidered part of the building (like the flooring or the kitchen sink) is not covered on contents insurance.
Unlike many other insurance providers, Urban Jungle’s Contents Insurance covers your stuff against accidental damage as standard. Spills, knocks and breakages happen... we’ve all been there!
Our policies also cover your things against damage caused by a storm or flood, fire and smoke, household leaks, and covers you if your home gets broken into.
Tenants Liability Insurance is also included, so you’re covered if you accidentally damage stuff which belongs to your landlord during your tenancy. All from just £5 a month. Get a quote for contents insurance here.
Who is contents insurance for?
Home contents cover is for anyone who wants to cover their stuff in case they get damaged, lost or stolen. Contents Insurance is for renters, students or even homeowners looking to cover stuff like your phone, laptop, furniture or clothes.
We’re here to make insurance smart and simple. We know you’ve got a million and one things you’d rather be doing, so we’re here to make insurance simple so you can get back on with your life.
Clear, fair prices
Contents Insurance starts from just £5 a month or £60 a year. Unlike some other insurance providers, we don’t charge interest on your Urban Jungle Insurance policy if you pay monthly.
Covered in minutes
We want to make things as quick and easy as possible, no baffling questions, just a few simple details – we won’t ask how flat your roof is!
Tweak your package
Design your Home Contents policy to suit you. Add the coverage you need, take off what you don’t and make changes whenever you need online for free.
Here’s how it works
Give us a few details
Just 5 quick and easy questions about your current setup. No unnecessary questions from us.
Customise your package
Create a policy to suit your needs, like adding Out of Home Cover. Never pay for cover you don’t need.
Relax. You’re covered
You’re all set! Need to make a change? Update your policy or cancel online for free 24/7.
You might be wondering...
You might be wondering, ‘do I need contents insurance?’, or
‘is contents insurance worth it’? Contents insurance isn’t a
legal requirement, so it’s up to you whether you choose to cover your
stuff or not. You may want to consider, if the worst was to happen,
would you be able to financially replace all your stuff? Or pay
for alternative accommodation?
While the answer to ‘should I get contents insurance?’ is up to
you and your personal circumstances, here are some handy blogs
that could help you decide!
Contents insurance comparison: our ultimate guide
Top tips for getting the best home contents insurance
Does your home contents insurance have these 5 features?
Shared property contents insurance - all you need to know
Most contents insurance offers cover your mobile phone on the policy in the home. For covering
your phone outside of the home, make sure you have ‘out of home’ or ‘away from home’ cover
included. This is usually an optional add-on to contents insurance policies.
Most insurance providers will have limits around how old the mobile phone is and if claimed
will be depreciated. It’s always best to check out the policy document before you buy insurance.
Your home insurance will usually offer you the option to add on coverage for your bicycle out
of the home.
Most insurance policies will require you to lock your bike in a certain way so be sure to
check the policy documents.
Here at Urban Jungle, our Contents Insurance has bike cover for up to £2,000 with our optional
add on ‘Out of Home’.
Check out
‘Bicycle insurance comparison uk guide: how to get the best cover’.
Accidental damage contents insurance refers to unexpected and unintended damage or breakage. This would have been caused
by a single, sudden and one-off event that was unforeseeable.
Wondering if accidental damage contents insurance is worth it?
Find out more about
contents insurance accidental damage here.
Yes, usually accidental damage cover options are designed to cover laptops in the home on contents insurance. Always be sure to check the policy document of the policy as insurance providers details vary.
If you’ve decided to buy contents insurance, you might be wondering
‘how much should I insure my contents for?’
Which contents insurance cover levels are right for you can be
calculated by working out the value of your stuff using
our contents insurance calculator here.
Using our home contents insurance calculator for the UK is a
great idea because it’s important to get the right amount of contents
cover. If you underestimate, the insurer may not pay the full amount.
If you overestimate, you might end up paying too much for your insurance.
It’s also important to remember to keep your policy updated if you
buy new stuff! You can do this for free with Urban Jungle Contents Insurance -
click here to get home contents insurance quotes
in minutes online.
Contents insurance cost ranges depending on how much stuff you
have to be covered.
How much does contents insurance cost in the UK? In 2019,
the ABI found that the personal contents insurance average
cost was £127 a year. That's an average contents insurance
cost of £2.40 per week! Less than the weekly spend on
takeaway meals.
Check out more details in our blog
‘How much does contents insurance cost?’
Urban Jungle Contents Insurance price starts from just £5 per month / £60 per year.
Get a contents insurance quote here.
Excess (also known as ‘deductible’) is a specified amount you pay towards a successful claim.
For example, if the cost of settling the claim is £1,000, and you had an excess of £150, you
would be required to pay £150. The insurer would then pay £850 towards the claim.
For an insurance contents policy, you will often be able to select your excess which usually
varies between £0- £1,500.
The more excess you select, the cheaper your policy will likely be but it’s important to
consider your excess if you need to make a claim. To read more on excess, check out our blog on
voluntary excess on home insurance here.
An underwriter is an insurer that you pay your premium to, which in return is responsible for
paying any valid claims that may arise.
We work with several underwriters to offer you a range of products. For more information about
who we work with, please see
‘which underwriters do Urban Jungle work with’ here.
Legal expenses insurance (also known as legal protection) is a type of cover designed to provide
advice and representation if you get into a legal dispute with a company or an individual.
You can select Legal Expenses Cover as an optional add-on to most of
our Urban Jungle Contents Insurance policies.
Urban Jungle protects a new home every few minutes! Get a home
contents insurance in the UK quote
here.
Some UK contents insurance companies don’t include tenants
liability cover as standard household contents insurance so
it’s important to check the policy document before you buy a
policy.
Get contents insurance that includes tenant liability insurance cover as standard from just £5 per
month. No need to add it as an extra.
Tenants Liability standalone product is £55 a year. Get contents insurance which includes
Tenants Liability from just £60 per year.
Here when you need us
Need a hand or got a question? No problem. Our team of experts are here to help on live chat or by phone. Or take a look at our FAQs.
Our FAQs Get in touchNot quite right? Take a look at our other policies.
Urban Jungle’s Contents Insurance policy is underwritten by Canopius Managing Agents.
Copyright © 2016 - Urban Jungle Services Ltd. Urban Jungle Services Ltd is a company registered in England and Wales under company number 10414152. Urban Jungle is authorised and regulated by the Financial Conduct Authority, under the registration number 782061. See the Financial Services Register for further details.
