2017 Guide: Protect Your Valuables with House Contents Insurance

What happens if a fire burns down your home, an earthquake leaves your property in shambles, or a flood ransacks the entire first floor of your dwelling? If you have home or renter’s insurance, the structure will be covered, but what about the contents inside of your home?

Is the new 60-inch, high-definition, smart television or your closet full of designer clothes covered? Is your laptop or pricey furniture going to be replaced? Oftentimes the contents of your home can cost just as much as the structure itself.

That is why home contents insurance could be a smart investment. Many insurance companies offer home and contents insurance with your regular policy, but it is important to know what is covered and what is not.

However, if your house is stocked of valuables or your current policy does not offer enough personal property coverage, it might be a good idea to look into increasing your coverage. This might involve looking elsewhere for house and contents insurance.  

Sites For Best Home Contents Insurance Qoutes

Award Emblem: Top 6 Sites for Best Home Contents Insurance Quotes

Where do you even begin searching for home contents insurance? Like most other things, these days people are turning to the Internet to compare home contents insurance quotes.

The downside to that is the number of options available. With so many sites offering home and contents insurance, it can be difficult to choose just one. There are many options and variables to take into consideration.

When looking for the best home contents insurance sites, you might have many questions in your head, including:

  • What does household contents insurance offer you?
  • Does your current policy have adequate home and contents insurance?
  • Is there cheap home contents insurance?
  • What are the top home & contents insurance sites?

Throughout this 2017 guide, we will answer the questions you have about house and contents insurance and how to compare home contents insurance policies. We will explain what to look for in cheap home contents insurance and why it is important to have. Finally, we will provide a detailed review of the six best cheap home and contents insurance sites.

See Also: Top Low-Interest Credit Cards | Ranking | Low APR Credit Cards with Low-Interest Rates (Reviews)

Advisory HQ’s List of Top 6 Best Home Contents Insurance Quote Sites

List is sorted alphabetically (click any of the cheap home and contents insurance sites below to go directly to the detailed review section for that household contents insurance site):

Top 6 Best Home and Contents Insurance Quote Sites | Brief Comparison  

Home and Contents Insurance Quote Sites

Website Interface Ease of Use (1–5)

Best Feature



Offers a $50 bonus for applying online, and 10% bundling discount
Compare the Market


Offers a variety of materials to help you understand home contents insurance
Go Compare


Compiles quotes from many major brands
Money Supermarket


Offers easily understood descriptions of contents insurance and what it covers
Net Quote


Extremely easy-to-use interface with major brands included
Trusted Choice


Shows list of local agents near you that offer home contents insurance, as well as their contact information

Table: Top 6 Best Home Contents Insurance Comparison Sites | Above list is sorted alphabetically

What Household Contents Insurance Provides You

You never know when a disaster will strike. Faulty wiring can lead to a fire, a flood can come unexpectedly, and you never know when a burglar will take interest in your residence.

If you are lacking house contents insurance or adequate coverage, you might be forced to pay out of pocket to replace a majority of your personal property. Electronics, clothing, and furniture can quickly add up, leaving you frustrated and with a depleted bank account.

Even cheap home and contents insurance can provide the coverage that you need. The trick is doing the research and securing a policy before you need it.

House Contents Insurance

Image Source: The Joe Economy

So what does household contents insurance actually cover? Well, it depends on the specific policy, but it generally protects your belongings from fire, theft, and other risks.

You might still have a deductible with your home contents insurance policy, which means that you pay something to replace the items, but you won’t be completely at a loss if your personal property is stolen or damaged.

What to Keep in Mind When Purchasing Home & Contents Insurance

Like anything in life, not all house contents insurance policies are created equally. You need to take the time to compare home contents insurance options because there are many variables to take into consideration.

When you are doing a home contents insurance comparison, be sure to consider the following aspects:

  • Coverage limits
  • Scheduled personal property
  • Cash value vs. replacement cost coverage

First, you need to look at coverage limits for your home and contents insurance quote. The coverage limit is the maximum amount that a policy will pay out. If you have $75,000 worth of personal property damaged in a flood, but your coverage limit is only $50,000, you will be paying out of pocket to replace the remaining portion.

Next, you need to consider scheduled personal property. For extremely pricey items such as fine jewelry, art, furs, and antiques, your policy might only cover a small percent, unless you schedule them. To schedule an item through your house contents insurance, you will need to typically present a receipt with the item being professionally appraised for value.

While increasing coverage limits and scheduling personal property are a good idea to protect your property, they can increase your home and contents insurance quote. You need to weigh the costs and benefits of improving your coverage.

Finally, you need to choose between actual cash value and replacement cost coverage. Actual cash value coverage takes into account depreciation of an item, so you will be paid what the item is worth at that point in time. Replacement cost coverage will cover the cost to replace an item in today’s dollars.

It can be difficult to choose between the two, as the type of coverage you choose will affect your home contents insurance quote. This is where it becomes important to do a home contents insurance comparison to weigh your options.

As with any type of insurance, it is important to take stock of all of the personal property in your home first. This will help you decide how much and what type of house contents insurance coverage you need.

Don’t Miss: Top Retail Credit Cards | Ranking | Best Retail Store Credit Cards for Bad Credit & Good Credit

All-in-One Change Management Tools

Top Rated Toolkit for Change Managers.

Get Your Change Management Tool Today...

Advisory HQ’s Selection Methodology

What methodology does AdvisoryHQ use in selecting and finalizing the credit cards, financial products, firms, services, and products that are ranked on its various top-rated lists?

Please click here “AdvisoryHQ’s Ranking Methodologies” for a detailed review of AdvisoryHQ’s selection methodologies for ranking top-rated credit cards, financial accounts, firms, products, and services.

Detailed Review—Top Ranking Best House Contents Insurance Sites

Below, please find the detailed review of each cheap home contents insurance option on our list of house and contents insurance sites. We have highlighted some of the factors that allowed these home & contents insurance websites to score so high in our selection ranking.

AAMI Review

AAMI offers house contents insurance through their online portal. Their contents insurance covers damage to or loss of your home, shed, or garage, as well as the contents that are within them.

If the damage is caused by fire, break-ins, or weather events such as wildfires, storms, lightning, floods, or even meteorites, you will be covered.

Home Contents Insurance Comparison

Image Source: Canstar

While searching for a home contents insurance quote is just the first step, AAMI encourages you to make an educated purchase. Their website is full of fact sheets, and they even give you 21 days to receive a full refund if you decide that you do not want to keep your home contents insurance.

If you’re in the mood for bundling, by purchasing house and contents insurance together, you will receive a 10% discount. As an added bonus, if you get your home and contents insurance quote online through their site, you will save $50.

Overall, AAMI is a good option, especially for first-time home and contents insurance quote shoppers. Everything is laid out easily and explained well.

Compare the Market Review

Compare the Market is a comprehensive site that does more than just offer home contents insurance comparisons.

The site provides a background detailing what house contents insurance generally covers, as well as frequently asked questions. These are great resources for those who are new to home contents insurance quotes.

After becoming familiar with the site, you will click “get a quote” and be taken to another page. Here you will start entering information, including your address, property details, and building construction information.

After entering the information requested as accurately as possible, it will generate some home contents insurance quotes for you to review. It also allows you to do a quick home contents insurance comparison of the different quotes.

Compare the Market is a good resource to utilize for those looking to do a home contents insurance comparison. It is also a good place to go for information regarding home contents insurance quotes.

Related: Top Military Credit Cards | Ranking | Best Credit Cards for Military (Active & Veterans)

Go Compare Review

Go Compare allows you to compare home contents insurance quotes, similar to Compare the Market. Go Compare compiles home and contents insurance quote from many different brands to allow an easy home contents insurance comparison.

You will enter your address, whether you rent or own the property, and how it is owned. Then you will enter your name, date of birth, and email address. The email address is used as a log in, so you can log in and review or edit your home contents insurance quotes whenever you’d like.

Based on this information and the personal property value in your home, Go Compare will then create a list of home and contents insurance quote for you to compare.

If you like easy-to-use online platforms, Go Compare might be a good option to obtain home contents insurance quote. There is also an FAQ section, in case you would like to learn more.

Money Supermarket Review

If you are looking for a site that offers home contents insurance comparisons, Money Supermarket might be a good place to start.

The site offers a brief breakdown of what household contents insurance is and what it covers. These are great if you need a little information without being bogged down in lengthy descriptions. With tips on how to get cheap home contents insurance, this could also be a good site for those on a budget.

Like other home and contents insurance quote comparison sites, you will enter the address and ownership of the home before specifying whether you want home, contents, or a home and contents insurance quote. You will then need to detail some of your personal property before receiving your home contents insurance quote.

Overall, Money Supermarket is very easy to use. The information you are requested to provide is easily understood as is the user interface.

Popular Article: Citi® Double Cash Card vs. BankAmericard Cash Rewards™ vs. Spark Cash Select vs. Blue Cash Everyday® Card

Net Quote Review

Net Quote is one of the best home contents insurance comparison sites out there right now. The user interface is very simple to follow, and there is a licensed agent always on call to answer your questions.

You will enter some general personal information as well as details of your home and its contents. By clicking “get my quotes,” you will be taken to a page that displays a litany of home contents insurance quotes for you to compare. There are major brands like Progressive, State Farm, and Liberty Mutual, as well as smaller insurance providers.

Net Quote is great if you are looking for more accurate home contents insurance comparisons. You are required to input more specific information, but the results are more accurate.

With contact information provided for the home contents insurance quotes that you receive, it doesn’t get much easier than Net Quote.

Free Wealth & Finance Software - Get Yours Now ►

Trusted Choice Review

Trusted Choice is a bit different from the other home contents insurance comparison that you may encounter. This one offers a more personal touch by providing you with a list of local agents that offer the coverage you are seeking.

The great thing about local agents is that you can meet face-to-face to discuss a home and contents insurance quote. While some people love to do everything on the Internet, others are a bit more old-school and appreciate being able to sit down and speak with an insurance agent.

Trusted Choice simply asks you to provide your zip code, the type of coverage you are seeking, and your name and email. The site then provides a list of agents that offer house contents insurance, as well as their contact information and profile.

If you are looking for that personal touch when searching for the best home contents insurance quote, Trusted Choice might be your best bet.

Read More: Top Credit Unions Credit Cards | Ranking | Best CU Secured & Unsecured Credit Card Offers

Conclusion—Top 6 Best Home Contents Insurance Quote Sites

Are you worried about what will happen in the event that your personal property becomes damaged, incinerated, or stolen? Well, by securing some house contents insurance, you can rest a little easier.

When selecting a policy, it is a good idea to get a few different home contents insurance quotes before making your final decision. There are so many different options out there for house contents insurance and you want to be sure that you are selecting the right policy to protect your personal property from risk.

It is important to ask yourself the following when looking for a home and contents insurance quote:

  • Do you prefer actual cash value or replacement cost coverage?
  • What is the total estimated value of your personal property?
  • Do you need your coverage limit to cover all of your personal property?
  • Do you have personal property that needs to be scheduled?

Take the time to consider these things throughout the home contents insurance comparison. If it comes time to cash in on your home and contents insurance, you will be glad that you spent a little extra time researching different home contents insurance quote options.

With your plethora of personal property on the line, be sure to consider home and contents insurance quotes carefully.

AdvisoryHQ (AHQ) Disclaimer:

Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.

Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. Click to view AdvisoryHQ's advertiser disclosures.