Contents Insurance | Allianz Insurance

Defaqto has given our Allianz Online Gold and Silver Contents Insurance 5 Stars

Manage your contents insurance policy online.

No fees for making changes.

Is online self-service home insurance right for you?

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Our contents insurance isn't for you if:

You want to call us to talk about your home insurance policy.
You don't want to make updates yourself online.
You're not comfortable emailing us for support.

Our contents insurance is right for you if:

You're happy to manage your home insurance policy online.
You don't want to pay admin fees for making changes.
You can self-serve with an online account and FAQs.

Why choose Allianz Online Contents Insurance?

A world leading insurer

You'll have peace of mind that you're in safe hands with one of the world's leading insurers. We've got you covered.

Manage your policy online

Stay in control by using your Allianz account to check, change, and update your policy at a time that suits you.

Defaqto 5 Star rated

Defaqto has given our Allianz Online Gold and Silver Home Insurance 5 Stars – their highest rating.

Check out our Allianz Online Insurance customer reviews

Thanks to all of you who've rated us on Trustpilot - 4.3 stars out of 5 is excellent!

What's included with Allianz Online Contents Insurance?

Alternative accommodation

We'll pay towards somewhere to stay if repairs mean you and your family can't stay home after a claim.

Home office and business equipment

If you work from home, we'll cover your business equipment, such as laptops, screens and furniture.

Contents in outbuildings

Cover for contents stolen from your outbuildings such as sheds, garages and summer houses.

Compare our 3 levels of contents insurance cover

Allianz Online Bronze

Contents insurance that covers the basics...

Allianz Online Bronze Contents Insurance includes:

Somewhere to stay with £10,000 for accommodation if repairs mean you can't stay home after a claim.
Your contents covered up to £50,000.
Cover up to £10,000 for valuables in your home (with a £2,000 limit per item).
Cover up to £1,000 for home office and business equipment.

Enhance your contents cover with thesd optional extras:

Add enhanced accidental damage to cover unexpected mishaps (think DIY and children).
Add personal belongings away from home to cover your things when you're out and about.
Add bicycles away from home to cover bikes against accidental loss, damage and theft.
Add Home Emergency cover to make sure you get extra quick assistance in an emergency.
Add Home Legal Expenses for help pursuing a legal dispute.

Allianz Online Silver

Contents insurance with more cover and flexibility...

Allianz Online Silver Contents Insurance includes:

Somewhere to stay with £15,000 for accommodation if repairs mean you can't stay home after a claim.
Your contents covered up to £100,000.
Cover up to £20,000 for valuables in your home (with a £2,000 limit per item).
Cover up to £5,000 for home office and business equipment.

Enhance your contents cover with these optional extras:

Add enhanced accidental damage to cover unexpected mishaps (think DIY and children).
Add personal belongings away from home to cover your things when you're out and about.
Add bicycles away from home to cover bikes against accidental loss, damage, and theft.
Add Home Emergency cover to make sure you get extra quick assistance in an emergency.
Add Home Legal Expenses for help pursuing a legal dispute.

Allianz Online Gold

Our highest level of contents insurance, with extras included...

Allianz Online Gold Contents Insurance includes:

Somewhere to stay with £25,000 for accommodation if repairs mean you can't stay home after a claim.
Your contents covered up to £150,000.
Cover up to £30,000 for valuables in your home (with a £2,000 limit per item).
Cover up to £10,000 for home office and business equipment.

Plus all these extras included as standard:

Enhanced accidental damage to cover unexpected mishaps (think DIY and children).
Personal belongings away from home to cover your things when you're out and about.
Bicycles away from home to cover bikes against accidental loss, damage, and theft.
Home Emergency cover to make sure you get extra quick assistance in an emergency.
Home Legal Expenses for help pursuing a legal dispute.

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Compare our home insurance policies

Increase your cover with contents insurance optional extras

Home Emergency

From £48 or less

No one wants a hefty bill to fix heating emergencies, unexpected roofing problems, or pest infestations. With this additional cover, we’ll arrange approved tradespeople to help when you need it most.

With our Home Emergency cover you'll be covered for repairs up to £1,000 per emergency, and you won’t even have to pay an excess.

Included with our Allianz Online Gold Contents Insurance.

More about our home insurance optional extras

Home Legal Expenses

From £28 or less

This optional extra means you’ll have peace of mind with up to £100,000 to cover legal fees and expenses for legal disputes or claiming compensation.

Included with our Allianz Online Gold Contents Insurance.

More about our home insurance optional extras

Enhanced accidental damage

Price varies

This optional extra covers those unexpected mishaps that could lead to real headaches, like DIY accidents, stained carpets or damage caused by children.

Find out more about accidental damage cover.

Included with our Allianz Online Gold Contents Insurance.

More about our home insurance optional extras

What is contents insurance?

Contents insurance covers the cost to replace or repair your furniture and possessions if they’re damaged, destroyed or stolen.

To put it simply, contents insurance covers everything you would take with you if you were to move house.

It wouldn’t cover the building itself or any fixtures (like your kitchen or bathroom) but it would cover your clothing, tech and appliances.

What are the benefits of contents insurance?

Whether you’re renting as a tenant or own your home, you’ll want to make sure you have contents insurance.

You can also add additional cover for high value items, cover away from your home (for things like your mobile or laptop) and bicycle cover.

The type of items covered include: furniture, TVs, laptops, jewellery, clothes and ornaments.

Why should you compare home insurance?

The cost of contents insurance can vary depending on your property’s value, location, and the level of cover you choose. It’s a good idea to compare contents insurance policies to find one that suits your needs and budget.

While it may be tempting to go for the cheapest contents insurance, it’s important to check what’s included. A cheap policy might offer basic cover but could leave you exposed if something goes wrong. Always balance price with the protection you need.

What are the other types of home insurance?

Buildings insurance

Buildings insurance covers the cost of repairing or rebuilding your home's structure if damaged by events like fire, flood, or storm. This includes walls, roof, windows and permanent fixtures but not the contents inside the property.

Landlord insurance

Landlord insurance protects landlords against damage to their properties and contents.

It's different from standard home insurance and offers more tailored cover if you're renting out a property to tenants.

What affects the price of your home insurance?

When it comes to choosing your policy, cheaper contents insurance isn’t always better. It’s important to compare home insurance cover and make sure your policy fits your needs.

Let’s look at some of the things that affect your price:

Location: Where you live is one of the most obvious factors affecting home insurance pricing. Are you somewhere with a high risk of flooding? Is there a lot of theft or similar crime in your area? Anything that increases the chance you’ll have to claim on your home insurance will normally increase your price.
Number of claims: Sounds simple, but the more claims made on home insurance in your area, the higher your premium may be. Even if you haven’t made a claim yourself, a rise in claims can can affect the price of your home insurance.
Replacement costs: It's no secret how much repair and labour costs have gone up. This increases the cost of claims and, in turn, home insurance. From electrical equipment to modern comforts, home contents aren’t cheap to replace. The more they cost, the higher your insurance is likely to be.
Insurance Premium Tax (IPT): 12% of every home insurance premium goes towards the government’s Insurance Premium Tax. It’s like VAT for insurance and any increase or decrease will affect your price.

Check out our guide: How we work out the cost of your home insurance.

What do you need to get a home insurance quote?

To get a quick and easy buildings insurance quote, we’ll ask you for:

Personal details
This includes your name, address, and contact information. We’ll also need to know about any claims you or anyone living with you have made on your home insurance in the last 5 years.
Property details
You’ll need to provide the details of your property, including the year the property was built, the types of locks you have and the material your walls and roof are made up of. We’ll also need to know if your property has ever experienced flooding.

Contents insurance FAQs

Can I chat online with the Allianz team?

You can access Live Chat from our Home Insurance and Contact Us pages. Simply click the blue chat icon in the bottom right of the screen.
If the Live Chat icon doesn't appear for you, here’s how to enable cookies:

Click on the blue shield in the bottom left hand corner of the screen.
Click 'allow all'.
Click 'confirm my choices'.
The chat icon will then appear in the bottom right hand corner.

Our Live Chat opening hours are:

Monday to Friday, 8am - 8pm
Saturday and bank holidays, 9am - 5pm
Sunday, 10am - 4pm

Am I covered if I work from home?

You'll need to let us know the type of work carried out from your home so we can let you know if any additional terms apply.

Clerical work from the home would be classed as 'Office use without visitors' and you should still tell us about it. This could include secretarial tasks, for example, and duties like typing, emailing, answering phone calls and taking messages.

An example of ‘other business use’ would be if you run a beauty therapy business from your home or you have a room for tutoring.

You should also let us know if you work from an outbuilding, such as a detached garage.

Home insurance you can trust

Defaqto has given our Allianz Online Gold and Silver Home Insurance 5 Stars – their highest rating.

Our Defaqto ratings

Thanks to all our customers who've rated us on Trustpilot – 4.3 stars out of 5 is Excellent!

Customer reviews

We're the world's #1 insurance brand

Allianz is one of the UK’s largest general insurers and part of a global network serving 97 million customers in almost 70 countries.*

Thanks to our expert team of over 150,000 employees and 120,000 agents and brokers worldwide, we've reached our highest brand value in our 135-year history – and remained the world’s #1 insurance brand for 7 years running.

We’re proud to be the Worldwide Insurance Partner of the Olympic and Paralympic Movements from 2021 to 2028.

* Customer count reflects Allianz customers in consolidated entities that are part of the customer reporting scope only. Updated March 2026 (release of the 2025 Annual Reports).