Compare our three levels of cover
Admiral has made it easy to get the right level of cover for your contents ‑ you just need to choose from three simple cover packages.
Our great value Admiral package covers the essentials in your home up to £75,000.
Our Gold package gives the same great value as Admiral cover but up to £100,000 with added extras.
Our full-featured Platinum package is for people who demand extra security and peace of mind. Cover up to £150,000.
What is contents insurance?
Contents cover protects your belongings against:
- Theft
- Vandalism
- Fire damage
- Water damage
While home contents insurance isn’t compulsory, ask yourself what you’d do if everything you own – your clothes, furniture and gadgets – was destroyed. Replacing everything would be very expensive.
What's covered by contents insurance?
Contents insurance covers the items you'd take with you if you move:
- Furniture
- Clothes
- Electrical items
If you aren't sure if your items can be covered, just call one of our friendly team on 0333 220 2090 who will be happy to help.If you buy our contents insurance, your belongings will be covered for theft, vandalism, fire damage, water damage and even natural events like lightning strikes.
So, if the worst were to happen to your home, your most precious belongings would be covered. Whether expensive or sentimental, we know what matters most to you.
Contents insurance for renters
Getting on the property ladder can be tricky and expensive, which is why so many people in the UK choose to rent. But this doesn’t mean tenants don't want to protect their belongings like homeowners do.
Your landlord is responsible for making sure your home has buildings insurance but it's up to you to arrange cover for your possessions.
If you rent a property alone, with your partner or as a family, you can insure your contents with Admiral Home Insurance. If you're living in a house share or you need students' contents insurance while living in shared accommodation, read more on our Tenants Insurance page.
Contents or buildings insurance?
Renters only need to worry about contents cover. Those who own their homes, however, will need to consider buildings insurance too – it's often a condition of your mortgage.
Buildings insurance covers everything that's permanently attached – the structure, doors and yes, the kitchen sink. Everything you'd pack to move with you would be covered by a contents policy.
You can also choose an Admiral Home Insurance policy which covers both contents and buildings insurance.
Adding up the value of your contents
To cover your contents, you need to know what your belongings are worth.
Adding up the cost of everything you own sounds daunting but it needs to be done if you hope to claim back the right amount for your belongings.
To add up the value of everything in your home, go from room to room and pop the value of each item into our contents calculator. You'll also need to tell us about anything with a value of £1,000 or higher to make sure we're able to cover them.
Contents Calculator
Do you know how much your stuff is worth? Get an idea with our helpful contents calculator.
Accidental Damage
Accidental Damage protection is also available and covers you if you spill a drink on your sofa or drop your laptop. Find out more about accidental damage
Your questions answered
If you have any questions, you'll find answers in this section.
What can I do while I wait for you to fix my boiler?
We apologise for the long waiting times - we hope Sedgwick will respond to you soon.
In the meantime, we have a video guide on what to do when your boiler stops working in cold weather. You can also read our article on how to prevent frozen pipes for proactive and reactive tips.
We also have more policy information on our Contents, Home Emergency Cover and Home Insurance pages.
Is my mobile phone covered?
Mobile phones are covered as standard through your policy, but if your phone’s worth more than £1,000 you’ll need to declare it as a specified item. We’ll cover the handset but not mobile phone charges, loss of airtime or liquid damage.
Are engagement rings and expensive jewellery covered?
Any valuables worth more than £1K need to be individually listed as part of the policy.
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Looking for something different?
If you own your home, you’ll also need to insure your building. Admiral offers great value and flexible options across all our Home Insurance products.
Useful guides

Are there rare valuables hidden in your attic?
You could have valuables worth thousands in your home without even realising
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I’m a renter - what are my home insurance options?
If you’re one of the millions of renters in the UK, you may be wondering what kind of home insurance tenants need
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Does home insurance cover my freezer food?
Find out whether the contents of your fridge freezer is protected by your home insurance
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