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What's included with our Contents cover



  • Your contents up to a value of £50,000* on our Standard cover and up to £75,000* with our Premier cover


  • Your Christmas, birthday and wedding gifts from a variety of potential threats such as theft, fire and water damage caused by flooding. The cover limit on these items is an additional £3,000 on the Standard cover and £5,000 on the Premier cover on top of the overall contents sum insured for one month before and one month after the special event


  • Personal belongings such as jewellery, watches, cameras, laptops and mobile phones while you're away from home, up to a total limit of £3,000* on our Standard cover and £5,000* on our Premier cover


  • Accidental Damage to your contents if you take out our Premier cover. Accidental Damage is optional with our Standard cover.


What you need to know about our Contents cover

  • Damage to fences or gates caused by storms or flooding is not covered in our Contents cover
  • Personal Belongings above £2,000 individually must be specified in order to be covered
  • Personal money is limited to £1,000 and credit cards are limited to £500
  • Theft from unattended motor vehicles is limited to £1,500

Summary of Contents cover



   Cover Standard Premier
Buildings Not included Not included
Contents £50,000* £75,000*
Personal Belongings £3,000*
(Option to increase)
£5,000*
(Option to increase)
Accidental Damage Optional Included
Garden Optional
(£2,000)
Optional
(£5,000)
Home Emergency Assistance Optional
(Up to £500 call out, labour and parts)
Optional
(Up to £500 call out, labour and parts)
Legal Expenses Optional
(£50,000)
Optional
(£50,000)
Pedal Cycle Optional
(Pedal cycles over £1,500 need to be specified)
Optional
(Pedal cycles over £1,500 need to be specified)

*Inner limits apply including single item limit and total limit for high risk items.






Policy documents

For further detail about our home insurance products, take a look at the policy documents below.







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RSA have been putting customers first for over 300 years, protecting the things you value most and helping make things better when the worst happens.














About our partner


Royal & Sun Alliance Insurance Group has been carefully selected to underwrite West Brom Home Insurance