How do I find the best contents insurance?
Finding the best contents insurance policy can be tough - the cheapest deal may not always provide the cover you need should the worst happen and you're forced to make a claim.
Which? experts scrutinise 35 home insurers’ contents insurance policies, and survey thousands of contents insurance policyholders. We've rated each policy on its key aspects to produce a Which? policy score.
This guide only looks at contents insurance policies. For buildings insurance policies click here and for our ratings of the best overall home insurers click here.
What makes a Which? Recommended Provider?
To qualify as a Which? Recommended Provider, an insurer must:
- Be regulated by the Financial Conduct Authority
- Be available to the general public
- Have received responses from 30 or more customers in our customer survey
- Must achieve a high scores in our Customer Satisfaction survey.
- Must also achieve an average or above Policy Scores for Buildings and Contents
Which? members can log in to see the results of our analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.
Contents insurance companies: whose policy tops the table?
Click on the insurers to go to our dedicated review pages.
This table includes insurers both with and without a customer score. To only read reviews of insurers we’ve been able to give a customer score, go to our list of best and worst home insurance companies.
| Brand | Contents score | Max contents sum insured | Contents in the open | Cash in the home |
|---|---|---|---|---|
| 87% | | | |
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| 86% | | | |
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| 86% | | | |
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| 79% | | | |
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| 76% | | | |
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| 76% | | | |
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| 74% | | | |
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| 74% | | | |
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| 73% | | | |
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| 73% | | | |
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| 72% | | | |
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| 72% | | | |
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| 71% | | | |
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| 70% | | | |
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| 70% | | | |
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| 70% | | | |
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| 70% | | | |
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| 68% | | | |
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| 67% | | | |
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| 67% | | | |
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| 66% | | | |
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| 66% | | | |
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| 66% | | | |
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| 65% | | | |
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| 65% | | | |
|
| 64% | | | |
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| 64% | | | |
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| 64% | | | |
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| 64% | | | |
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| 64% | | | |
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| 64% | | | |
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| 64% | | | |
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| 62% | | | |
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| 62% | | | |
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| 61% | | | |
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| 60% | | | |
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| 60% | | | |
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| 60% | | | |
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| 59% | | | |
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| 59% | | | |
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| 59% | | | |
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| 59% | | | |
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| 59% | | | |
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| 58% | | | |
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| 57% | | | |
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| 57% | | | |
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| 57% | | | |
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| 57% | | | |
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| 56% | | | |
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| 56% | | | |
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| 56% | | | |
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| 56% | | | |
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| 56% | | | |
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| 55% | | | |
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| 55% | | | |
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| 53% | | | |
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| 53% | | | |
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| 53% | | | |
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| 49% | | | |
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| 49% | | | |
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| 45% | | | |
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| 44% | | | |
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| 41% | | | |
How we analyse contents insurance policies
We analyse and rate 66 key elements of contents insurance policies to come up with the overall policy score. We assess how important each individual element is to people when choosing and using a contents insurance policy and weight it accordingly when calculating our total policy score.
Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance / reduce their impact in the overall product score.
