4.97 out of 5 based on 2,400+ reviews
4.97 out of 5 based on 2,400+ reviews
Contents insurance protects the possessions inside your home against loss, damage or theft, from everyday items to jewellery, art and other valuables.
Rated 4.97 out of 5 from 2,400+ reviews
Contents insurance protects the moveable possessions inside your home against loss, damage or theft, and should be set at a sum insured that reflects the true current replacement value of everything you own. Private Finance arranges bespoke contents cover for everyday homes and high-net-worth households, with access to specialist insurers who provide the flexibility, individual item limits and worldwide protection that standard policies cannot match.
Contents insurance protects everything that turns a house into a home. From everyday appliances and furniture to fine jewellery, artwork and cherished personal possessions, a suitable policy should ensure you are not left out of pocket when something goes wrong. At Private Finance, we arrange contents insurance that reflects the genuine value of what you own — not a generic estimate built for someone else’s lifestyle.
From everyday household items to irreplaceable valuables, we work with specialist insurers to make sure your possessions are properly covered — wherever you are and whatever you own.
Standard policies tailored to cover furniture, appliances, electronics and clothing — everything that makes daily life run smoothly, properly insured.
Jewellery, watches, fine art and antiques individually scheduled and insured at true replacement value, with no generic single-item limits holding you back.
Cover that follows your belongings beyond your front door — protecting phones, laptops, cameras and valuables whether you are commuting, travelling or living life.
We help you calculate a sum insured that reflects today's replacement costs, protecting you from the financial impact of averaging clauses at claim time.
More valuable possessions — such as jewellery, watches, fine art, collectibles, antiques or high-specification electronics — often require consideration beyond what a standard policy is designed to provide. These items frequently need to be individually listed on the policy, sometimes supported by a professional valuation, to ensure they are insured for their true replacement value. Without this, insurers may apply a single-item limit that caps any payout well below the actual cost of replacement.
Private Finance works with insurers who specialise in high-value households. We aim to make sure your most important possessions are properly scheduled and protected, rather than absorbed into a standard contents allowance that was never designed with them in mind.
The sum insured must represent the full cost of replacing all your belongings at today’s retail prices — not what you originally paid, and not a second-hand estimate. Many homeowners significantly underestimate their total contents value, which can result in reduced claim payouts through the application of average clauses. At Private Finance, we help you carry out a thorough and accurate assessment so your sum insured genuinely reflects what you own.
Our clients value the confidence that comes from working with a broker who understands the full spectrum of high-net-worth financial, commercial, and protection needs.
Whatever your situation, our expert protection team can advise on suitable cover for your needs. We specialise in complex and bespoke insurance solutions to help you find a policy that matches your circumstances.
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