Home & Contents insurance

Looking for household insurance with comprehensive contents protection? Howden offers cover for homes and their precious contents. 

Policies to protect your most treasured possessions

The protection that your policy offers depends on your home and the cover that you choose. We can arrange policies with some or all of the following features:

New for old, because market value falls short

Many of treasured your possessions lose value over time. If you have a market value policy, depreciation can leave you worse off in a claim. 

Warranty free (no small print to worry about)

All our policies are generously worded, that is, free of tricky obligations, technicalities and tripwires. 

We design them to be useful when you need them, not look for ways not to pay. 

High single item limit: choose terms that really protect you

One tripwire high net worth individuals can fall down on is the single article limit. The policy limit in the headlines might sound useful, but when a policy scrimps on single article limits, you can find yourself desperately under-insured, come claim time.

Worldwide cover

Peace of mind that wherever you are in the world you are, your possessions and jewellery are covered. 

Optional home emergency cover

Let us know if you would like to include home emergencies in your cover. Many policies offer cover for emergency plumbers, locksmiths, electricians and more.

Art, antiques and collectables cover

Helping you value and protect your collection.  

Legal expenses cover for private legal matters

Additional peace of mind for whatever comes your way.

Simple, easy to read documents 

Some policies need a law degree to follow – ours don’t.

Option to add Domestic Helper insurance

Cover your own employee compensation liability, and offer your domestic staff medical insurance (including hospitalisation), dental and personal accident cover.

Overhead shot of beautiful lagoon in the Philippines

Tailor your cover

Family travel insurance is the most requested additional element to our home insurance. Ask us to arrange quality cover for mishaps and problems on holidays.