Contents Insurance

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 Covered

Contents Insurance

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.


                    An armchair with blanket, cushion and laptop. A small side
                    table with book, plant and glasses on it. The image includes
                    Urban Jungle hearts above the chair.

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

            An armchair with blanket, cushion and laptop. A small side
            table with book, plant and glasses on it. The image includes
            Urban Jungle hearts above the chair.

What is contents insurance and what does contents insurance cover?

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.


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                    lamp and sparkles coming out of the bulb indicating light.

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.

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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.

Why Choose Us?

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

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Contents Insurance starts from just £5 a month or £60 a year. Unlike some other insurance providers, we don’t charge interest if you pay monthly.

Covered in minutes

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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

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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

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Give us a few details

Just 5 quick and easy questions about your current setup. No unnecessary questions from us.

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Customise your package

Create a policy to suit your needs, like adding Out of Home Cover. Never pay for cover you don’t need.

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Relax. You’re covered

You’re all set! Need to make a change? Update your policy or cancel online for free 24/7.

Get Covered

You might be wondering...

Do I need contents insurance?

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

Does home contents insurance cover mobile phones?

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.

Are bikes covered under home 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’.

Does contents insurance cover accidental damage?

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.

Does contents insurance cover accidental damage for laptops?

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.

How much contents insurance do I need?

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.

How much is contents insurance in the UK?

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.

What is contents insurance excess?

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.

What is an underwriter?

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.

Does contents insurance include tenant liability cover?

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.

More FAQs

Here when you need us

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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 touch

Not quite right? Take a look at our other policies.

Urban Jungle’s Contents Insurance policy is underwritten by Canopius Managing Agents.