Protect your precious belongings with our contents insurance

Get covered in minutes with
our customisable policy.

At SO-SURE, we’re committed to bring you peace of mind in case you ever need to make a claim, but if you don’t, we’ll reward you with up to 40% cash back upon renewal.

We’ve insured tens of thousands of people in the UK and they love us, that’s why over 90% of customers renew their policies with us and, by offering rewards when they introduce us to their careful friends, everyone benefits from our award-winning insurance – are you ready to be part of our family?

  • We let you tailor your own policy and our contents insurance allows you to protect belongings from £5,000 up to £50,000. This means you select what to protect and your monthly charge can start from as little as £2.80.
  • You can decide to protect your contents against accidental and pet damage and even the valuables you take out of home for work or leisure like laptops, hiking equipment or even a DJ set.
  • Unlike most insurers, there are no hidden fees so you can change your personal details or address at no extra cost.
  • We scrapped receipts and proof of purchase, all you need to do is take a picture of your items and they will be automatically listed.
  • Protect the contents of any alternative location up to the value of £10,000.
  • We let you choose your own excess and start date of your policy.

As Featured in:


How are we different?

Protecting your precious belongings is important to us so we want to make sure that before you purchase our insurance you know what we can and can’t cover. For us, your belongings are not just stuff, they’re part of what makes your house a home and we go the extra mile with our revolutionary policy.

  • Laptops
  • TVs
  • Tablets
  • Watches
  • Beds
  • Monitors
  • Sofas
  • Desktop Computers
  • Chairs
  • Rings
  • Chest of Drawers
  • Refrigerators
  • Wardrobes
  • Couches
  • Tables
  • Microwaves
  • Ovens
  • Washing Machines
  • Keyboards
  • Mouses
  • China Sets
  • Consoles
  • Vinyl players
  • Gym sets
  • Bottles of Champagne
  • Mirrors
  • More
  • Money
  • Mobile Phones* get covered here instead
  • Already damaged equipment
  • Cryptocurrency
  • Electronics damage from a virus
  • Wear and tear damage
  • Decrease in performance
  • Deliberate damage
  • Items abroad
  • Computer Software
  • Visitor’s items

Customisable Policy

We take pride in being different from most traditional insurance companies. At SO-SURE, we believe that one-size-does-not-fit-all, and that different people value different belongings no matter their price, that’s why we own an award-winning technology that allows you tailor your policy that suits your individual needs.

  • Guaranteed same price upon renewal.
  • Insure against additional damage such as accidents, pet damage and more.
  • No additional or hidden fees when you change your details or if you decide to leave us.
  • Claim up to 40% back when you refer us to your careful friends.

The reasons to join us, or switch, are countless –

what are you waiting for?

Tailor your own policy

You can flex your home contents insurance in case you need some extra protection. These optional covers are particularly useful for pet owners, freelancers, business owners who operate at home, parents or just the clumsy among us!

Accidental Damage

We have your back when
unintentional accidents

Pet Damage

Even the best behaved pet
can sometimes have an off

Out of Home

In case you’d like to protect
your jewellery, cameras, golf
equipment and more when
you’re out and about.

Business Equipment

Most home contents policies
don’t protect the items that
make you money, you can
now with SO-SURE.

Included in our standard cover

As a standard in our home contents policy, we cover your precious items against loss, theft or damage caused by flooding, household leaks, storms, smoke, fire and more. Depending on your individual needs, you can extend your cover to damage caused by your pet, accidental damage while they’re at home or being moved to your new home, protect your business equipment or even add extra protection for when you’re on-the-go. Choose what’s right for you. Check out our Contents Insurance Policy Document.

Fire and Smoke

Including lighting and explosions.

Storms and flood

Sometimes water can be damaging, so if your home gets
flooded, our standard policy will cover your contents.

Theft and vandalism

Unfortunately burglary is still a common occurrence, we’ve got
you cover in case this happens to you.

Tenants liability

Let us take care of all the court claims in case you caused
damage to the contents of the place your renting.

Public and personal liability

We also provide you with personal liability cover if you
accidentally cause bodily injury to someone else, or damage to
their property, or if someone claims you have done so.

Alternative accommodation

We’ll pay for the costs of temporary alternative
accommodation in case your home becomes uninhabitable.

Items in gardens and shared areas

Our standard policy extends cover into your garden,
outbuildings or generally outside your home.

Freezer goods

Food stored in a freezer in the home due to a change in
temperature or contamination by freezing agents.

Household leaks

Such as water or oil escaping from fixed water or
heating systems.

Comparing Contents Insurance

*Based on a sample of UK insurance providers; these may not apply for every insurer

Smart savings
Peace of mind that won’t break the bank. Enjoy a low monthly price and excess from only £50.

Super fast claims
No more waiting around. The majority of claims will be sorted within 72 hours.

Reliable when you need us
We’ve approved 96% of our claims so you know you’re in good hands when you claim.

Same price at renewal
We guarantee the same price upon renewal when you don’t make any claims.

See Our App In Action

Our in-house team created a ground-breaking app that ensures all boring admin and extra steps are a thing of the past. When you buy a policy with us, simply download the
SO-SURE App, take a picture and start adding items to your inventory. This ensures you will be getting the best price and that all of your items are covered.

Get covered in 3 simple steps

  • Give us a few details

    Tell us a bit about yourself, where you live and items you want to insure. We don’t waste your time with irrelevant questions and long forms so you can get insured in seconds.

  • Personalise your package

    Completely configurable to your needs – don’t pay for what you don’t want!

  • That’s it. You’re covered

    You can change your policy at no charge and cancel any time for free.

Our Customers Love Us!

Don’t just take our word for it – thousands have picked SO-SURE for peace of mind.

Frequently Asked Questions

I do not own my home. Can I get cover?

Yes, of course, you can. We insure home contents if you rent or own where you live.

Learn more

I share my house/flat with friends. Can I get cover?

Yes, we can insure your items even if you share your home.

Learn more

Do you get a Reward Pot with Home Contents Insurance?

Yes, you do, and you can invite friends and family to build the value of the reward pot.

Learn more