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Home Insurance

Protection for your home and your contents

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Overview

Your home is probably your most valuable asset, which is why it is so important that you protect it with quality insurance you can trust.

Our policies can be tailored to specific requirements with optional cover extensions available for accidental damage, personal belongings, High Risk items, Home Emergency cover, legal expenses, and more.

Over 97.5% of claims paid over the last three years

We are proud to say that for the last three consecutive years RSA, the underwriter of our home insurance product, was in the top 4 insurers in the UK when it comes to paying out, settling over 97.5% of all claims. You can check this and how other insurers fared on the FCA website here.

What am I covered for?

Whether you just want Buildings or Contents or the full package, we have a range of add-on covers to suit you

Contents Insurance

Up to £100,000 cover for contents in your home as standard

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Contents Insurance

Up to £100,000 cover for contents in your home as standard


This covers loss or damage to contents in your home, including household goods, furniture, personal documents, valuables, personal belongings, money, and credit cards.

Cover is provided as standard for:

  • loss or damage to your contents caused by:
    • fire, storm, and flooding; and
    • subsidence, heave, and landslip;
  • theft of your contents from within your home or outbuildings and garages;
  • accidental damage to TV, satellite, and audio equipment;
  • accidental breakage of mirrors, ceramic hobs in freestanding ovens, and glass in furniture;
  • alternative temporary accommodation if your home becomes uninhabitable as a result of damage caused to your contents by an insured event;
  • damage to food in your fridge or freezer caused by a rise or fall in temperature, or contamination by the chemicals in the appliance; and
  • your legal liability to pay damages and expenses for bodily injury caused to any person, or damage caused to physical property.

For details of what is not covered, please refer to the Policy Wording.

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Buildings Insurance

Up to £1 million buildings cover as standard

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Buildings Insurance

Up to £1 million buildings cover as standard


This covers damage to the structure of your home, your outbuildings, garages, fixtures, and fittings as well as patios, drives, garden walls, fences, hedges, and gates.

Cover is provided as standard for:

  • damage to your property caused by:
    • escaping water from washing machines, dishwashers, and other appliances or heating systems which may cause damage to flooring, walls, fixtures, and fittings;
    • fire, storm, flooding, theft, and vandalism;
    • subsidence, heave, and landslip; and
    • falling trees, branches, aerials, and impact by vehicles or aircraft;
  • accidental breakage of drains and pipes which are used to provide services to or from your home;
  • accidental breakage of glass, ceramic hobs, and sanitary-ware which are fixed to and form part of your home;
  • alternative temporary accommodation if your home becomes uninhabitable as a result of damage caused to your buildings by an insured event;
  • the cost of any damage caused to your property whilst tracing and gaining access to a leak in your home; and
  • your legal liability to pay damages and costs to others arising from accidental death or injury to anyone, or accidental damage to physical property.

For details of what is not covered, please refer to the Policy Wording.

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Valuables Cover

Option to cover your valuables and high risk items in or away from the home

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Valuables Cover

Option to cover your valuables and high risk items in or away from the home


Standard

Valuables‘ are items such as paintings, works of art, stamp, medal, or coin collections, clocks, and also jewellery or watches that are never taken out of your home. These items are covered as standard under your Contents Insurance when they are in the home, up to a maximum of £30,000. Any valuable (also referred to as a High Risk Item) worth over £2,500 must be listed individually on the policy in order to be covered, up to a maximum of £10,000 per item.

Optional

Personal Belongings‘ include jewellery, watches, and personal items which you normally wear or carry with you, as well as pedal cycles and their accessories. This cover is optional, providing for loss or damage occurring whilst your Personal Belongings are in your home and also whilst away from your home. We can offer up to a maximum of £20,000 of cover for Personal Belongings. Items that are worth more than £2,500 each or pedal cycles worth more than £500 each must be listed individually on the policy in order to be covered.

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Home Emergency Cover

Option to cover your home against sudden, unexpected events

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Home Emergency Cover

Option to cover your home against sudden, unexpected events


Our Home Emergency add-on covers you for up to £1,000 to make your home safe and secure in the event of a domestic emergency. This includes problems with:

  • Main Heating System
  • Plumbing & Drainage
  • Gas Supply
  • Electricity Supply
  • Water Supply Pipe
  • Roofing
  • Security
  • Pest Infestation

If any of these emergencies occur which cause your home to become unsafe or cause a loss of these services, we will send an engineer to your home to complete a repair and prevent or limit any further damage. We will pay for call out charges, labour, and materials to get your home back to a safe state or restore the key services.

Home Emergency cover is not a maintenance policy and does not cover the cost of routine maintenance in your home, nor does it provide or cover the cost of boiler servicing or maintenance.

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Accidental Damage Cover

Option to include accidental damage to your buildings, contents, or both

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Accidental Damage Cover

Option to include accidental damage to your buildings, contents, or both


Buildings

As standard, we provide a limited amount of accidental damage protection which covers accidental damage to underground services at your home and accidental breakage of glass, ceramic hobs, and sanitary-ware which are fixed to and form part of your home.

If you choose the optional Accidental Damage cover, this protects the rest of your home. For example, if you were to drill through a pipe whilst putting up some shelves, or put your foot through the ceiling whilst in your loft, we would pay for the cost of repairing the damaged pipework and the cost of any redecoration required.

Contents

As standard, we provide a limited amount of accidental damage protection which covers accidental damage to TV, satellite, and audio equipment and accidental breakage of mirrors, ceramic hobs in freestanding ovens, and glass in furniture.

If you choose the optional Accidental Damage cover, this protects the rest of the contents in your home. For example, this would cover if you were to spill food or drink on a carpet or sofa, or dropped your tablet computer in the bath.

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Legal Expenses Cover

Option to protect against legal costs up to £50,000

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Legal Expenses Cover

Option to protect against legal costs up to £50,000


The optional Legal Expenses cover provides you with access to a wide range of solutions, including professional mediation, that are designed to address your individual circumstances. The areas covered are:

  • Personal Injury – against a person or organisation causing you bodily injury or death
  • Consumer Protection – against a person or organisation as a result of a contract dispute for buying/selling/renting goods
  • Residential – against a person or organisation interfering with your legal rights relating to your home, from a dispute over a contract to buy/sell/rent your home, or due to an event causing loss or damage to your home
  • Employment – against your employer over your contract of employment or for the cost of defending action brought against you resulting from your normal duties as an employee
  • Tax – for a representative acting for you in a full enquiry by the Inland Revenue into your income and records to decide how much tax you have to pay

For full details of specific cover, please refer to the Policy Wording and your policy documentation.

If you or your family need legal advice on any personal or domestic matter or are unsure of the best way forward, you will also have access to our free legal helpline for expert advice and guidance at any time of the day or night.

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Want more detail? See our policy wording

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How to Claim

We are here to help when things go wrong

Our claims lines are available 24 hours per day, 365 days per year.
To speed up your call, make sure you have your policy schedule to hand first.

Frequently Ask Questions

If you don't find the answer to your question below, why not get in touch with us.

Yes, mobile phones and bikes can be covered under the add on Personal Belongings cover as they’re taken outside your home.

Bicycles have their own specific cover section, and need to be specified if they’re worth more than £500 up to a maximum value of £3,000 per cycle and £5,000 for all cycles collectively.

Unfortunately, any damage to your fences caused specifically by storms or flood will not be covered, but under our buildings insurance they are covered for certain other circumstances such as vandalism or fire.

Yes, you need to tell us about any item that is valued at over £2,500, as well as providing a valuation certificate for any jewellery or watches that are worth over £3,000 if you want them to be covered away from your home.

You can cover any individual item up to a value of £10,000 or several items collectively valued up to £20,000 (for cover away from the home) or up to £30,000 (for cover within the home).

It covers you for up to £1,000 to make your home safe and secure in the event of a domestic emergency. This includes problems with:

  • Main Heating System
  • Plumbing & Drainage
  • Gas Supply
  • Electricity Supply
  • Water Supply Pipe
  • Roofing
  • Security
  • Pest Infestation

If any of these emergencies occur which cause your home to become unsafe or cause a loss of these services, we will send an engineer to your home to complete a repair and prevent or limit any further damage. We will pay for call out charges, labour, and materials to get your home back to a safe state or restore the key services.

Home Emergency cover is not a maintenance policy and does not cover the cost of routine maintenance in your home, nor does it provide or cover the cost of boiler servicing or maintenance.

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