Before you invest in Churchill Home Contents Insurance and start your filing system you should take into account how much we can cover you for and any limitations we impose.

We provide automatic cover of up to £50,000 for the contents of your home but here is a quick breakdown of what we insure:

  • Household goods, including non-permanent fixtures and fittings such as carpets and curtains
  • Personal belongings in the home, garages and sheds (but not more than £2,500 for any one theft claim for items which are in the garages or outbuildings belonging to your home)
  • Valuables – (such as jewellery, watches and works of art) up to 30% of your of your contents sum insured
  • Single Valuable Items up to the value of £2,000 (items above this amount should be listed separately)
  • Money in the home up to £500
  • Items in the garden up to £1,000
  • Replacement door locks and keys if your keys are stolen
  • Freezer contents up to thte sum insured for your contents
  • Personal Possessions Cover (optional extra) for items designed to be worn or carried that you normally take out of the home or on holiday such as jewellery, cameras, sports equipment, musical instruments, money (up to £300) and credit cards (up to £600)

Step two: Identify your high-risk items

Valuables are defined as jewellery, watches, furs, items or sets or collections of gold, silver or other precious metal, works of art, sets of and stamps, coins and medals. Go through your contents and see if any of them fall into this category – if they are worth over £2,000 each you need to list them on your policy separately. If you have valuable items not worth £2,000 each but totaling over 30% of your contents sum insured give us a call to discuss what we can do.

Step three: File receipts and document high-risk items

In order to apply for an adequate Churchill Home Insurance quote you need to know how much your contents are worth. This means it’s important to be organised with your receipts. Get into good habits and set up a filing system. You can do this with a concertina file or filing cabinet from your local stationery or business supplies shop. Then just drop receipts in as you purchase items and file them alongside other documents such as contracts.

It’s also a good idea to take pictures of any expensive items so that you can provide even better evidence or purchase or ownership if they are lost or stolen. Plus you can security mark high-risk items such as jewellery, laptops or plasma TVs with a UV pen. Simply write your house number and postcode with the ‘invisible’ ink and this can be used to identify any recovered items that have been stolen. You can also register and value jewellery with the Guild of Valuers and Jewellers at

Step four: Apply for a quote

Once you have a total cover amount – up to £50,000 in total – and have identified valuable items, it’s quick and easy to apply for a quote online. You can then file your insurance policy documents alongside your receipts and other important documents.

Step five: If you need to make a claim…

With Churchill Home Insurance, there are no forms for you to complete, making the claim process quick and hassle free. To report a claim, simply call us on 0345 603 3590 . Lines are open 24 hours a day, seven days a week. You’ll need your policy schedule to hand, a crime number if you’ve been a victim of theft or vandalism (report this to the police immediately) and as you’ve been super-organised and filed all your receipts, it should be easy to give us any proof of purchase or ownership evidence we need!

New customers can protect their home with Churchill home buildings and contents insurance. It’s quick and easy to get an online quote today, just visit and see how much you could save.