Accidental damage
For when something happens suddenly and by accident, such as a dropped laptop.
Home contents insurance
We find our best price and cover for you through our network of trusted insurers
Home insurance is offered through Co-op Insurance Services and provided by a select panel of insurers.
Reasons to choose Co-op Contents Insurance
Over 150 years experience
Put your trust in a brand who have provided insurance since 1867.
Membership discount
Co-op Members get our best prices. Discount excludes add ons. Become a member
Wide range of cover
Our panel of insurers is carefully selected to provide cover at our best price.
Home office equipment
If lost, stolen or damaged by things like fire, theft or escape of water, we'll cover the repair or replacement cost.
Cover for high risk items
These items are generally higher value and more attractive to thieves, such as jewellery and antiques.
Here when you need us
Our claims line is open 24 hours a day, 7 days a week.
Kit worth£425
Exclusive SimpliSafe kit for only £99
Get this SimpliSafe kit for £99 when you buy a Co-op Home Insurance policy. Safeguard against burglaries, floods, burst pipes and more with this kit worth £425 including:
- entry and motion sensors to detect unauthorised access and movement
- water and temperature sensors for early warnings of leaks and potential burst pipes
- indoor camera to securely monitor your home
- 2 months free 24/7 Pro Premium Monitoring with fast alarm response and mobile notifications
Offer ends 2 January 2026. Terms and conditions apply.
Co-op Member Prices
As well as an exclusive price on home insurance, members also get:
- lower prices in our food stores and online
- personalised offers every week
- access to presale tickets for Co-op Live, the UK's biggest arena
- a say in how Co-op is run
If you’re not yet a Co-op Member, you can sign up using the ‘Become a member’ button. This will include a one-off £1 joining fee.
Co-op Members get an exclusive home insurance discount. Your discount is applied if you are matched with our membership database during the quote process. This discount is not available on landlord insurance or add ons.
Co-op Members can win
to Co-op Live when they buy a new policy
What if your insurance came with tickets to the gig of your dreams? Co-op Members who buy a new insurance policy direct from us by 31 October 2025 can win one of 100 pairs of Dreamseats to Co-op Live.
Terms and conditions apply. Not available on landlord insurance.
Contents insurance
Contents insurance covers the cost of replacing or repairing belongings if they are stolen or damaged due to things like fire, escape of water, theft and flooding.
It includes everything you would take with you if you moved home including your furniture, kitchen appliances, curtains, bedding, clothing, television, computing equipment and jewellery.
What's covered
These are the things we think you may need to know. For further information, please see our policy booklet and check if it meets your needs.
Contents loss or damage
up to £150,000
When the contents in your home are lost or damaged due to things like escape of water, theft or fire we will help to cover the cost of repair or replacement.
As standard you’re covered for contents loss of or damage caused by:
You’re not covered for loss or damage:
You can choose our Personal Possessions add on to be covered for contents outside of the home.
You can choose our Accidental Damage add on to cover the costs of repairing or replacing belongings when they are accidentally damaged.
Food in the freezer
up to £1,000
If your freezer or its power supply fails, we’ll cover the cost of replacing food that’s inedible.
Garden contents
up to £2,000
When your garden contents are lost or damaged due to things like storms, fire or theft, we’ll cover the cost of repairing or replacing them.
Home office equipment
up to £10,000
When your home office equipment is lost, stolen or damaged due to things like fire, theft or escape of water, we’ll cover the cost of repairing or replacing them.
Personal money
up to £1,000
When an event, such as a break in or a fire causes you to lose personal money from your home, we will help cover the loss.
Lock replacement
up to £1,000
If the keys to your home are lost or stolen, we will cover the cost of fitting new locks to your outside doors.
High risk items
up to £5,000
High risk items are generally higher value and more attractive to thieves. Such as jewellery and antiques.
Student cover
up to £5,000
When a family member moves away from home and is in full time education, we will cover their contents.
Bicycle cover
up to £3,000 (for any one bicycle, including its accessories)
When your bicycle is stolen or damaged, we will cover you up to your policy limit.
Theft from outbuildings
up to £10,000
We cover the loss of contents from outbuildings such as garages and sheds.
Rent and alternative accommodation
up to £25,000
When you have to move out during a claim, we will help to cover the cost.
Legal expenses
up to £50,000
When you require a trained professional, we provide a 24/7 helpline and costs to help you with a range of legal issues.
Add ons
You can increase the level of cover on your policy with our add ons.
Existing customers
If you're one of our existing customers we're here to help.
Policy documents
- If you are a new customer your policy documents will be shown when you get a quote
- If you are an existing customer you can see your policy documents by logging into your account.
Supporting you through life
Co-op Insurance Services Limited will receive a percentage commission from your insurance payments and from any add ons.