Household Contents Insurance
Safeguard the things that make your house a home.
From everyday essentials to treasured possessions, we arrange household contents insurance tailored to your lifestyle.
More About Home Contents Insurance
Your home is more than bricks and mortar—it’s what’s inside that really makes it yours. At Chubb Thomas, we arrange home contents insurance that protects you financially from damage and loss to your essential and precious belongings. These policies also come with alternative accommodation, occupiers’ public liability and legal protection.
Insurance to Suit You
Whether you’re a homeowner, a tenant or you split your time between two properties, we’ll help you arrange household contents insurance that covers the value of your belongings accurately and reliably, from furniture, TVs and appliances to jewellery, artwork and clothing.
We can also arrange personal possessions cover for items you take out and about, such as phones, watches, cameras or laptops. If you’re not sure what you need, we’ll talk you through the options, help you estimate contents values and ensure you’re neither underinsured nor paying for things you don’t require.
A Personal Service
With our team of independent brokers based in Bournemouth, we offer real advice, not call centre scripts. You’ll deal with someone who knows your name, your property and how to get the right cover in place. Just honest advice, from a local broker you can trust.
What Can Be Covered?
We can help arrange cover for a wide range of items, including but not limited to:
- Furniture and soft furnishings
- TVs, sound systems and home entertainment equipment
- Kitchen appliances
- Computers, tablets and smart devices
- Clothing and personal accessories
- Jewellery and watches
- Art, antiques and collectibles
- Bicycles (at home or away)
- Mobile phones and cameras
- Tools or hobby equipment
- Sports gear and golf clubs
- Musical instruments
- Luggage and travel essentials
- Home office equipment
- Garden furniture and BBQs
- Contents of garages, sheds or outbuildings
If you have items of particularly high value or sentimental importance, we’ll make sure they’re specifically noted on your policy where needed.
Why Choose Chubb Thomas?
- Truly independent insurance broker based in Bournemouth, with no corporate ties
- Insurance quotes tailored to your needs, across Dorset and surrounding areas
- Speak directly to your dedicated contact—no call centres, no waiting
- Work with your key person from start to finish
- Insurance quotes tailored to your needs, across Dorset and surrounding areas
- Fair fees and transparent advice every step of the way
- Independent and unbiased—we’re not tied to any insurer, so you always come first
- A reputation for excellence, delivering insurance services locally since the early 1980s.
FAQs
What does home contents insurance cover?
It covers the contents of your home, everything from furniture and white goods to clothes, electronics and valuables, against theft, fire, flood and accidental damage (where included).
How do I know how much cover I need?
We can give you guidance to estimate the total value of your belongings. It’s important to insure them for their full replacement value, not just what you think they’re worth today.
Does contents insurance cover things I take out with me?
Not automatically, but we can add personal possessions cover to insure portable items like phones, laptops, watches and jewellery when you’re away from home.
Can tenants get household contents insurance?
Yes. If you’re renting, contents insurance can protect you financially from loss to your personal belongings even if you don’t own the building.
Does contents insurance include accidental damage?
This is usually optional. We’ll explain what accidental damage includes and whether it’s a good fit for your situation.
What’s the difference between buildings and contents insurance?
Buildings insurance covers the structure of your home; home contents insurance covers the items inside. We can arrange both together or separately.
Are high-value items like artwork or jewellery covered?
Yes, but they often need to be specified individually. We’ll make sure any valuables are properly listed and insured.
Can I update my policy if I buy something expensive?
Absolutely. Just let us know and we’ll help adjust your cover to reflect any new items or changes in value.
Do I need contents insurance for a second home?
Yes. We can arrange tailored contents policies for second homes, holiday lets or properties that aren’t permanently occupied.
Why choose Chubb Thomas for my household contents insurance?
We’re independent and offer clear, personal advice. No call centres—just a named contact who’ll help find the right cover and support you if you need to claim. We’re a truly independent Dorset broker offering real advice, not scripts.
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Other Insurance Options
Commercial Insurance
Business Insurance and Combined Business Cover
Construction Insurance
Tradesman and Professionals Insurance
Shops, Offices and Surgeries Insurance
Leisure and Hospitality Insurance
Professional Indemnity Insurance
Motor Fleet Insurance
Motor Trade Insurance
Cyber Insurance
Directors and Officers Insurance
Engineering and Plant Insurance
Commercial Motor and Van Insurance
Marine / Cargo Insurance
High Net Worth Insurance
Trusted Dorset Insurance Broker
We’re a truly independent Dorset broker offering real advice, not scripts. offering tailored insurance quotes across Bournemouth, Poole, Weymouth, Dorchester and beyond. Whether you need personal, property or business cover, we deliver clear advice and a personal service every step of the way.
Contact Us
Let’s make your insurance work harder for your business. Drop us a message, give us a ring, or pop into our Bournemouth office—we’re always happy to chat.
Phone: 01202 778 000
Email: email@chubbthomas.co.uk