Contents insurance

KON-tents in-SHOR-ens

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What it really means

Insurance that covers YOUR belongings (laptop, phone, bike) against theft, fire or water damage. The landlord's insurance covers the building only, not your things. It is optional but cheap, and worth considering for expensive items.

Chinese explanation

保障你个人物品（电脑、手机、自行车）免受盗窃、火灾或水损的保险。房东的保险只保建筑本身，不保你的东西。此保险自愿购买、价格不高，贵重物品多的话值得考虑。

Example conversation

A: My bike was stolen from the shed. B: Did you have contents insurance? The landlord’s policy won’t cover your belongings.

A：我的自行车在棚子里被偷了。 B：你买了财物保险吗？房东的保险不保你的个人物品。

What you could say back

“I'll look into contents insurance for my valuables.”

Related phrases

Tenancy agreement House share

Official sources

Rules and amounts change — confirm important details with the official source.

Go deeper

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Reviewed by the UK Decoded editorial team · Last checked 24 July 2026 · Report a mistake