Contents insurance typically costs around £38 to £59 per year for most people in the UK, with 51% of customers quoted less than £58.25. The exact price depends on factors like location, value of possessions, type of home, security, and claims history. For example, basic policies can be less than £59 a year, especially for renters or those insuring fewer valuables. Similar insurance in Germany can range from about €20-60 per year, depending on coverage and location, with monthly costs often between €2 and €12.5.
Contents insurance covers your personal belongings against risks such as theft, fire, flooding, and storms. Additional options like accidental damage, home emergency cover, and legal expenses can increase the premium. To get a tailored quote, insurers will ask for details like the value of contents, home security, and claims history.
In summary:
- Average UK cost: £38–59 per year
- Average German cost: €20–60 per year (roughly €2–12.50 per month)
- Price varies by possessions value, location, and policy details
This gives a good benchmark for how much contents insurance might cost depending on the country and coverage required.
