Contents cover

Renters insurance for your contents

Want to insure your home and get a great little treat to go with it?

Choose a £20 e-voucher from over 100 retailers when you take out a new, or renew your existing home insurance policy before 7th November. You will receive an e- voucher code automatically as long as:

  • you’re a UK resident and take out your policy between 28th August 2023 and 7th November 2023
  • the policy isn't cancelled within 31 days of start date

One voucher per household and terms apply. Underwritten by U K Insurance Limited.

Why choose renters insurance?

You could get a quote in less than five minutes

You can pay monthly at no additional cost. (Subject to eligibility and credit agreement. Credit facilities for over 18s only. Representative 0.0% APR)

You can tailor your policy with optional add-ons and choose how much your contents are insured for (from five values).

The details

Core cover

Sum insured (how much your contents are insured for)

Insure the contents of your rented home for a total sum of £5,000, £10,000, £15,000, £20,000 or £25,000. This doesn’t include any possessions you keep in the garden.


No deductions for wear and tear, as these will be replaced new for old. Mobile phones are replaced with Grade A refurbished.

Alternative accommodation

If your home is unfit to live in after you’ve made a valid claim, the cost of alternative accommodation, storage for your belongings and kennel fees for domestic pets are covered for up to 20% of your ‘sum insured’.

Downloaded content

Claim up to £1000 to replace content you’ve paid for and downloaded onto your home computer, laptop, mobile phone or any other portable device.

Money in your home

Lost or stolen cash, cheques and vouchers are covered up to £500.

Optional extras

Accidental damage

This covers your possessions if they’re damaged suddenly, unexpectedly and unintentionally when they’re in your home.

Personal possessions cover (outside your home)

You’re covered for up to £2,500 for accidental loss or damage to any possessions you wear or carry with you (e.g. jewellery, mobile phone, bicycle) when you’re out and about. It’s valid when you’re in the British Isles, when you’re overseas for a total of up to 60 days in any one policy year, and can cover your possessions in a bank or safe deposit box.

Legal protection

This covers any legal expenses you incur and the costs of your defence if any legal action is taken against you up to £100,000. It doesn’t include disputes about rent or tenancy renewal but it does include disputes about your tenancy agreement.

Switch your home insurance

When you switch to NatWest home insurance, you can claim up to £50 towards any cancellation fees your current insurer charges. Once you’ve cancelled your existing cover and taken out your new policy, get in touch with U K Insurance Limited. They’ll arrange for you to be reimbursed within seven to 10 working days.

What to expect

Fill in your details

To give you an accurate quote, you'll need to fill in some personal details and information.

Tailor your policy

Select how much you need your building insured for and if you want any optional extras.

Review and apply

Review your details and your quote. If you’re happy with everything, then you can apply.

Important information

We want to make sure that you get the cover you need. So before we carry on to your quote take some time to read, download and save these documents. For a summary of cover, any limitations and significant exclusions, please view the Insurance Product Information Document (IPID).

As we tackle climate change and move away from using paper we ask that you download and save documents to your device. The ‘What

You Need to Know’ document can be posted to you if you need it in a paper format.

All okay? Get your quote

It could take you less than 5 minutes.

Moving in together? Our tips can help

When you're setting up home, our guide can help you work out how to share costs, set up the legal side of things and more.

Something else we can help you with?